> But the computer doesn't know if you accelerate and brake hard because you're an aggressive driver, or if your circumstances require it. Maybe you have to com

> But the computer doesn't know if you accelerate and brake hard because you're an aggressive driver, or if your circumstances require it. Maybe you have to commute to your job in heavy stop-and-go traffic with difficult merges. I would contend that this doesn't matter in terms of risk. It doesn't matter if the risk is caused by the person being a bad driver or if the risk is caused by the commute route that you take at a certain time of day. In either case, there's risk that is shown by the data. If you are driving a route that is stressful and risky, it doesn't matter if you're a good driver or a bad driver - you're doing something that is risky. In days of old this was done by looking at the commute distance and likely route (the insurance company has home address and work address).