You're assuming these monitoring devices are actually capable of observing the quality of your driving while being cognisant of the particular conditions of the

You're assuming these monitoring devices are actually capable of observing the quality of your driving while being cognisant of the particular conditions of the road at the time you made a decision to do something it algorithmically deemed "unsafe". For a while I used an insurance company in South Africa which rewarded "good" driving, you'd need an app installed on your phone which would use Bluetooth to communicate with a little device you'd put on your windscreen. They were very clear that the monitored results would never be used to affect your premiums or used in the event of an accident, however, if you drove "badly" then you'd get less rewards. One of the rewards options was cashback on money you spent on fuel (from particular partners), the percentage being more or less depending on how "well" you drove. Something it used to rate your driving was accelerometer readings which would be used to identify possible "harsh" cornering, acceleration or deceleration. However, the thresholds chosen were clearly not very scientific as often I would get penalized for "harsh" breaking at amber lights where my only other option would have been to go through an intersection just after the light changed to red. Worrying about how much cashback you'll lose for stopping at a red light is not something that encourages "safer" driving. Aside from harsh breaking, I managed to avoid all other penalizing behaviours, namely: speeding, "harsh" cornering (as I would have to take corners quite slowly, this was likely somewhat annoying to other drivers), not using my phone while driving and generally not driving at late hours. I landed up changing my insurance company for other reasons, but I don't miss having to factor in "rewards" penalties in my driving decisions on top of trying to be as safe as possible.