My superficial understanding of research on deterring criminal behavior (so, I may be bullshitting) is that it's more effective to make the likelihood of gettin

My superficial understanding of research on deterring criminal behavior (so, I may be bullshitting) is that it's more effective to make the likelihood of getting caught high than making the punishment severe. So this might be an effective (and cheap, compared to fiery auto crashes and arrests) way to discourage that behavior. And if someone does not respond to the initial incentive, their insurance rates would continue to climb, so at some point in time they either end up uninsured (in which case, this sousveillance really ought to just inform the cops, but anyway, the opinion in this thread is that cops are useless, so YMMV) or fix their behavior.