If the behavior is not predictively relate increased claims activity, then it wouldn&#x27;t be penalized. They won&#x27;t just say &quot;driving 5 mph over the speed limit on the highways raises rates&quot; for no reason. The reality is probably though, at some speed increase above the posted limits there is a relationship with claims activity. If that limit is 4 mph or 10 mph, I think it&#x27;s fair to charge more.<p>And can car computers tell if blinkers are on? At some point, changing without signaling is likely to be trackable if it isn&#x27;t already. Ultimately, clueless driving will leave trackable indicators. This is driving, it&#x27;s behavior based, and the outcomes are observable.<p>At any rate, I hope this makes usage-based insurance more common. I currently use MetroMile as my car insurer, which charges per mile of car usage. I&#x27;m a city-driver, my miles are insanely low. I&#x27;m glad to be benefiting from smarter, behavior-based insurance even if it is in its infancy.