Then use it? Mandate reaction speed tests or other driving mechanics competency evaluation (not road sign comprehension) and watch insurance margins explode.
The driver in my example did poorly and scored top marks in the heuristic.
> building a distance buffer", that is the proxy the insurance companies want to use for risk assessment.
The cam car did not need to have a hard braking event (HBE) to start building distance.
Even if they did, the insurance companies are looking for a pattern of HBEs to assess risk. I agree that there is a theoretical high-risk driver that never has a HBE because they always try to maneuver instead of breaking. There are other heuristics for this (high lateral acceleration, high jerk). And the ultimate heuristic: failing to avoid accidents, thus having a claim history.