Yeah well fuck insurers. We are supposed to get spied upon by our cars with their blackboxes, by our insurers, by Google, by national security services of various countries... and what do we get in return? Dinged for other people's bad behavior which we cannot reasonably control. Either you follow the car in front of you very closely and get hard braking events, or other people switch lanes in front of you and in the worst case slowing down during lane change, provoking yet another hard braking event.
Fuck all of that.