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Never mind the ethics of loss of privacy to a Corporation via personal trackers or vehicle monitoring.
"Never underestimate the ingenuity of fools" or indeed companies to make money from information in a different way to that claimed. The ultimate result of unregulated access to personal tracking information and the poor regulation of companies is that some people would be unable to get any insurance. Which here is illegal for car drivers, but Insurance companies can get round that.
Computer based monitoring of a gadget may also give a bogus picture of high risk, apart from those gaming the system, which ultimately puts premiums up for everyone else. No company will give discounts so as to have less profit.
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