I mean they use the data to decide what actions are high risk. Someone tailgating and tapping their brakes constantly is inherently less safe than someone leaving proper distance.

Privacy theft, I get it. An opt out should always be available and easy to use.

If you truly have an issue with insurance deciding what is or isn’t safe there are organizations that can take over that such as ASTM or NFPA.

Ay yo, wtf

Nope, nationalize it. Texas has a million energy providers and still hasn’t had prices as low as when it was a public utility. The same applies to every other utility such as water or internet.

Yeah, governments are totally just giving this shit out with no compulsion from the rich.