My "at fault" was running over a piece of a blown truck tire in a rainstorm.
Sure that's my fault. I could have avoided it in the ditch or by crashing head
on into an oncoming car. But if it had been an animal crossing the road it
would not have been my fault. Keep that in mind for the future.

I dropped USAA because they crazily increased my premiums each year for no reason at all. Then I bumped one of those cement thingys at the service station and dented the front fender. I submitted a claim and suddenly became a person with an 'at fault' accident and my premiums went nuts! i've had one ticket in my 73 years as a licensed driver and never caused an accident. I'm trying out State Farm for a while. That one ticket was 35 in a 30 area. nb

Yeah. Me too. State Farm. The data says I drive like an old person...

You don't have to actually make panic stops.
Do you ever drive at 35 to 45 miles an hour on a road that has traffic signals?
If you do then the device will claim you made a panic stop any time that
you have to slow from 35/45 to a stop when a traffic light changes.
It isn't you. It's that they have set the device to detect normal stops as if
they were panic stops to raise your rates even when all you do is follow the law.
I know this is the case because I had one of the devices and I tracked
exactly what it was reporting against my actual driving.
They claim to have discounts and they never deliver them because their
devices are programmed to report things that are normal safe driving as i
f they were dangerous in some irrational way. Instead they raise your rates
for driving safely and obeying the traffic signals.
There should be a class action against these thieves.
They just raised my rates another 23% this year and I am switching to
a company that actually insures based on the miles driven. That will
save me about 40% off the ridiculous rates now being charged because
government forces most honest people to buy insurance.
The insurance 'industry' is a criminal racket supported by the corruption
of government..

My mother did that a few years back. I refused to drive her car after that. I used to drive race cars, and I drive well within my limits on the street, but that doesn't mean obeying the speed limit. I don't have accidents (one very minor one 12 years ago - in 50 years of driving). I tend to go around corners "enthusiastically", but again well within MY limits, and my car's. I suspect a readout from my car would give my insurance agent a stroke.

Another thing I have noted - My wife's car thinks the local school's 25mph school zone speed limit is 24/7, so I'm sure it would report exceeding the speed limit, even on Sundays at the legal limit.

While at it, I will note that our area has several roads where the speed limit is set ridiculously slow. Soccer moms in minivans regularly drive 20+ over the posted limit, as well as the police I have seen and followed. Going the speed limit in these areas is a safety hazard as other drivers have to weave around the slowpoke.

No car nannies for me, thanks.

A few years ago, my old ins carrier wanted me to put their device in my cars and offered a discounted rate. I said, “No way, Jose” and promptly changed carriers.
That’s when I became aware of all this nefarious tracking bs.
Life was much simpler and we had more freedoms in the days before cell phones and gps.

Thanks FFA but I don't make panic stops. I've lived where I drive very infrequently for many years....I have a guy friend who owns two limos in case I want to go somewhere.. My 2014 SUV Explorer only has 42,000 miles on it. I will admit the traffic in my small city has increased to an amazing degree which makes me drive even less. When I learned to drive a guy named A.J. Foyt perfected my style. He raced with my cousin. MY father almost had a stroke when I told him.

while driving, put your cell phone in an EMP bag
or
buy a pre-computer car

That device will tell the company that you made panic stops at every traffic
light that turns red even though you had to stop or run the red light and get t-boned.
You obey the law then they will punish you for it.
That's how unsurance works now.
(It likely has its own built in cell phone to do those reports.)