|
I'm sure they have acceptable levels of brake slamming and increased acceleration thresholds to account for incidents you cannot control that happen in day to day traffic.
I work in the auto insurance industry (not for Liberty Mutual) and it is only a method to refine your rate based on you and how you drive, instead of considering everyone as the same type of driver. Before tools like this existed, you could only be rated on your age/sex/marital status/location and prior tickets and claims that you had. So every driver is basically given the same rate if they have matching criteria, while one of them could be a much higher risk than the other and likewise should pay more.
Who this will benefit is the average soccer mom or soccer dad who is a patient & careful driver who doesn't drive a lot and doesn't drive in areas known for accidents. With the market getting so competitive, additional personalized metrics are needed to get someone the exact rate that they deserve.
|