I think big brother is already much bigger than Orwell ever imagined and fast becoming malignantly obese

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I already have (what many would consider) an "older" car and hope never to need a newer one - only partly because of prices.
I wonder how the motor vehicle regulations and insurance companies will deal with the situation when despite smart car proliferation a high percentage of un-monitored vehicles are still on the road. I have a "safe driving" record that goes back decades. It worries me that the day is coming when lack of a monitoring device will eliminate all of my discount;
of course insurers look for any excuse to increase premiums. There must be many people in similar positions; the poorer among us as usual.
I echo all the comments about the inability of any "app" to properly judge one's driving based on braking, acceleration etc. A swerve or acceleration may be exactly what avoided an accident when something totally unforeseeable happened. Likewise hard braking; I imagine we've all experienced situations where it was forced on us "out of the blue." It's much fairer to base judgement of safe driving on real accident rates. Still has flaws but I think much fairer.