NYTimes article a few years ago on how car insurance companies were using such data. Tracking sudden stoos, driving at night, driving faster than 80 mph, etc.
As an aside… I wonder why “80 mph” was picked as an arbitrary value. In rural areas of Utah we have 80 mph posted limits and prima facie speed laws. A lot of Utah drivers regularly exceed 80 MPH and I’d argue they do so legally. It’s just a weird number for them to pick.
legally and unlikely-to-make-expensive-consequences are separate items that insurance exists to differentiate
why shouldnt people driving on such dangerous roads have to pay higher insurance rates?