This is an idea that I do not see getting enough attention. “Big Data” has a lot of possible benefits but only if companies collect limited and relevant data. I’m comfortable telling my insurance company where and how I drive as long as they cannot share that or combine it with any other data.

Wait until your insurance suspends their coverage for 24 hours because the road conditions aren’t meeting their requirements, or you didn’t evacuate quickly enough, or there’s a forest fire nearby.