Anyone work in car insurance? Question about risk models

The New York Times recently released a few stories \[1,2,3\] that shows that newer, internet-enabled cars are selling driving data (trip times, number of 'hard brakes', number of 'hard acceleration', average speed, etc) to data brokers like LexisNexis, who then generate a driver risk score that is sold to insurance companies. These got me wondering about a couple of statistical things about the driving data that's collected via these apps.

Setting aside the ethics of not disclosing this kind of …

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