If a car pulls out in front of you suddenly requiring you to slam on your brakes to avoid a collision, that sudden braking is recording, but the context for it is not. The insurance company only sees a driver that’s slamming on their brakes, which makes them higher risk in their eyes.
You’re making the mistake of microfocusing on a specific anecdote. They can account for that in the big picture. Good and bad drivers will both brake suddenly in a situation like that. Only bad drivers are braking suddenly because they’re following too closely or not paying attention.
If a car pulls out in front of you suddenly requiring you to slam on your brakes to avoid a collision, that sudden braking is recording, but the context for it is not. The insurance company only sees a driver that’s slamming on their brakes, which makes them higher risk in their eyes.
Even good drivers are affected.
You’re making the mistake of microfocusing on a specific anecdote. They can account for that in the big picture. Good and bad drivers will both brake suddenly in a situation like that. Only bad drivers are braking suddenly because they’re following too closely or not paying attention.
Personally I would never assume a for-profit insurance company would ever not take the chance to raise rates and lower risk, but that’s just me.