If it looks at the right metrics in the right way then this could be useful to get evidence based insurance premiums.
Immediate problems i see already:
- hard braking: how many G's constitutes hard braking? If you ask my wife, it's every time I touch the brake pedal. If you ask me, it's when I see the VSC lights come on. Also, this might have been caused by the person in front doing something stupid. Why am I being punished for that? Even with 3s following distance, if the car in front slams the brakes full, you better do the same.
- unsafe following needs quantified: How many lead seconds are required to be considered safe? And does it take being on autopilot into account? My autopilot on the lowest setting follows at 1.2 seconds. That is not enough for a human driver, but plenty for an autopilot. Does it know the difference?
- forced autopilot disengagement: I don't even know what that means. AP stuffs up on occasion at which point I have to override it either with brake or steering wheel, or both. is that a forced disengagement? Or do they mean those cases where it flashes the "take manual control immediately" image because it got itself into a state it doesn't know what to do? So I'm getting punished for their inadequate software?