Genuine question: What is stopping some small percent of drivers from installing cameras and using ML to identify cars driving dangerously (e.g. speeding, running reds, changing multiple lanes at once, etc.), and when their license plate is identifiable, finding and informing their insurance company? If even a small subset of users did this, and insurers did something with this information, it would substantially dis…
There's a million reasons why a dystopic snitch on your neighbours program isn't practical, as others have highlighted. I love the idea that insurance companies would be afraid of backlash lol. There's also easier options like I imagine asking car manufacturers to hand over data collected on driver behaviour would be. Don't US insurers already collect data like that from willing customers? Why not get that data from all customers regardless of consent? We've seen time and time again that most car manufacturers will throw all the data they can at whichever corporation asks for it. Even lower tech than that, speed and red light cameras have existed for a long time and they work on vehicles regardless of how many touchscreen tablets have been glued into it. Stupid(er) comment time: even lower tech again, the potential threat of gun violence in road rage incidents doesn't seem to disincentivise driving like a homicidal maniac, judging by how much worse US dash cam captured accidents seem to be compared to those from Europe or Australia. Maybe that's more to do with how many giant yank tanks there are on US roads and how much more effective they are at obliterating other road users and the sense of safety that comes with driving such huge things?
Jokes aside, road safety is a complex problem and insurance companies have other ways to protect their interests with significantly less effort.