If you drive in a "bad neighborhood" they could penalize you there, which has very real potential to be racially discriminative. And this data could be given to

If you drive in a "bad neighborhood" they could penalize you there, which has very real potential to be racially discriminative. And this data could be given to police, who could use it to make a case against you just for appearing to drive in a similar pattern as a criminal. Giving companies this data is dangerous.