Seems dangerous when the "risky behavior" is outside the control of the person being insured. Or if what you infer as risky behavior isn't actually risky. Is being born with a heart defect risky behavior? We have regulations to avoid discriminating over pre-existing conditions for a reason, and I could easily see these methods leading to similar bias. Doubly dangerous when insurance across multiple industries are essentially or literally required.
It'd be easy if we had a magic ball that could pinpoint risky immoral behavior, but I don't think we're anywhere near there yet. I barely trust the sensors in these cars to not report bad data, let alone trust the company to not extrapolate cynical conclusions that help their bottom line at the expense of people's wellbeing.
It'd be easy if we had a magic ball that could pinpoint risky immoral behavior, but I don't think we're anywhere near there yet. I barely trust the sensors in these cars to not report bad data, let alone trust the company to not extrapolate cynical conclusions that help their bottom line at the expense of people's wellbeing.