Google is measuring where on the road most hard braking events happen.
Insurers measure who is having the most hard braking events.
Fuck all of that.
Similarly, people often don't like it when insurers track and score their driving. However, this allows insurers to offer lower insurance fees to more people by _not_ offering lower insurance fees (or instead charging higher fees) to people that are driving in a risky manner. This does of course assume a competitive market for insurance but I think in most countries that's a reasonable assumption.
There's nothing fairer than user-pays, especially when users can choose to pay less by changing their behavior.
If user pays is so fair why does anyone who could access credit or liquid assets in excess of their state's minimums have to pay hundreds to thousands per year for auto insurance?
It's relatively unknown for individuals because most people have no desire to lock up tens or hundreds of thousands of spare dollars just to avoid car insurance. As far as I'm aware it's primarily used by rich collectors who need to insure large collections that don't fit more traditional insurance profiles. Much more useful for businesses.
That's BS on it's face. Most states don't allow it or they restrict it to big business and government agencies.
>because most people have no desire to lock up tens or hundreds of thousands of spare dollars just to avoid car insurance.
Most people's money isn't making a return greater than what insurance would cost them.
Second, this completely ignores my point about credit. I can easily get hundreds of thousands of dollars in credit secured against my house or tens of thousands in unsecured credit (credit card). Why must I pay to keep the lights on at some insurance firm?
And I'm not particularly rich. If the numbers pencil out for me then surely they must pencil out for millions of people.
Note that you _are_ legally required to pay your annual ACC levies, which fund no-fault cover for injuries. However that doesn't cover property damage.
Example: open space on either side of the road, tends to encourage people to drive faster.
Closing that space (whether by buildings, shrubbery, etc ) will slow the speed.
But I will say there are also “obvious” bad designs - the rare far to short on ramp to merge, where drivers don’t understand how to adjust.
Or the one I most frequently encounter are “blind spots” created by the speed of an intersecting road, where a mirror may be attached to a pole / tree, or a sign reminding people to look left right left, or even instructing where cars should be beyond for a safe pull out.
I know of one intersection near me that both has markers on the road(don’t pull out if cars are at or beyond this marker), and a reminder about looking, but still has a high frequency of accidents.
In the rural case, the offramp will branch off first and the on ramp will be after the overpass and the drivers taking each never meet.
In the space constrained case, theres one extra lane that serves both, where the drivers taking the on-ramp cross paths with those taking the off ramp. This configuration is absolutely cursed!
The cause of hard braking isn’t mutually exclusive: bad driving or bad road design.