Their modeling will penalize safe drivers who have to deal with non ideal scenarios. The OBD2 accelerometer modules are a bad idea when you live in an area where traffic and road design requires bursts of acceleration to make turns. You're going to be lumped in with the bad drivers when the data is not comprehensive enough to separate good from bad. Nor will they put in the effort to ensure fair driver ratings with thorough analysis of the data they do have.
This already happens (probably more accurately) via other metrics. If you live in an area with poorly designed roads that cause more claims, you will be charged more because of your zip code.
Restricting insurers from using relevant data to calculate risk premiums is not the way to subsidize people who live in an area where traffic and road design are subpar.
If there is an unfair situation that needs to be rectified with a subsidy, it is best for the subsidy to transparent to prevent corruption.
For example, the knowledge of this subsidy can help propel political change to remedy road design so that some people are not driving in unsafe road designs.
