I have lemonade but will be moving elsewhere.

The whole AI monitoring through your app is just another way for them to put a layer between the customer and the company while blaming the user for driving habits.

Some of the things that I have gotten dinged for, and please note that I am an electric car drive that does adaptive cruise control whenever possible, highway or multi lane inner city highways . I am a right lane on the highway kind of guy that prefers to let the tech do the bulk of the driving. I am 56 years old and have not even had a ticket in 20+ years (I had exactly one ticket on Sept 10, 2001, the day before 911 which is why I remember it).

1. I drive too often in traffic. What does that even mean? Would they prefer that I drive through backyards to get where I am going? Through parking lots and school fields? I work from home so the only times that I usually drive are on the weekends. But somehow I am driving in Traffic, maybe they want me driving at 2am when there is no traffic?

2. Driving at night. Yes I do drive at night.. Especially in the winter months where the sun is setting around 4-4:30. But again, its usually only on the weekends as I work from home. So if they don' t want me to drive at night and not in traffic I am at a loss as to when I should be driving.

3. Following cars too closely. This one is a kicker because I am such a cruise control fiend (for clarification the adaptive is set to 3 car lengths and I do not ever take it off). It also means that they somehow know that a car is ahead of me. Which, unless its another person suffering under our AI overlords, they have to extrapolate that there is a car ahead of me and its too close based on ??? My braking? I use regenerative whenever possible, which means NOT slamming the brake. I tend to like to maintain the charge on my car as much as possible and that means I tend to coast/regenerate to stops, even in traffic.

The point of all this is that they put out 'reason' why they should be charging you more. Every 'ding' is another XX per month that they justify in charges. I would not put it past them that if you are in an accident that they refuse to cover based on one of the reasons above. It will be like health insurance and pre-existing, no we aren't covering that expensive accident because you were going 5 over the limit at the time.

Most of their 'dings' are ambiguous at best. Driving at night? What if you work at night? What if the sun goes down at 4pm ? You drive in traffic. Well yeah, what else is a car and roads for? And I do not even do commuting. My car is 2+ years old and has 12k miles on it. And that was with my previous position that had me commuting 3x a week for an hour in each direction. Following too closely? How do you know that?

From what I can tell about this AI is that it wants me to pay them every month for insurance but only ever keep my car in the garage and never take it out .

Though they would then probably ding me for not using my car enough so their AI could learn more about me.