It's only fair if you pay less if not a reckless driver. If insurance companies pocket that money and continue to charge you more then it's a grift. However, t

It's only fair if you pay less if not a reckless driver. If insurance companies pocket that money and continue to charge you more then it's a grift. However, the spying on you part is problematic. You can be flagged as reckless driver (even if you're not) with no recourse or knowledge as of why, it's an algo so go figure. And when insurance companies need more revenue they'll tweak the algo even more.