The sophistication of these devices aren't that high - what constitutes an "unsafe driving habit"? Speed? How hard you turn? Most do some sort of banding around your speed and braking force, which is super crude and doesn't reflect actual driving habits.
Might actually be pretty interesting to see how the random statistics collected correlate with claims. It might indeed turn out fast, aggressive drivers never file claims, so ... that's what should be rewarded.
Sort of the inverse of the self driving car problem - they follow all of the rules, all the time, and are more accident prone, even though they're not at fault for the accident.
Those methods have a lot more refinement, but eventually, most certainly.
I suppose the more important argument is not about "what's the quality of the model?" vs. "what goal is the insurance company trying to accomplish with better risk pricing?"
