Your missing the point. When your kid runs in the road. Do you want the to avoid an accident, or do you want to optimize for them just turning enough so they d

Your missing the point. When your kid runs in the road. Do you want the to avoid an accident, or do you want to optimize for them just turning enough so they don't lose their insurance. When traffic ahead of you makes an emergency stop, do you want the person behind you at a safe distance to error on stopping earlier or do you want to add an incentive to just stop right before your bumper? There is a reason emergency braking is a popular feature. Humans tend to no apply brakes early or hard enough, even when no distracted. Otherwise safe drivers are punished also because it isn't a reliable metric, so the actuaries know that they can't tell crash avoidance from risky behavior. If you know about training fleets and semis, you can see these new drivers taking risks that they should not be taking. Give it a decade and a lot lost or shattered lives and I would guess these will either abandoned or not supported by the reinsurance industry. Possibly just being another source of income to the companies to sell to data brokers.