My wife activated this on her insurance. Got an email last week saying that she is in the top 5% of “worst drivers”. Which was both scary and funny at the same time. We investigated why they deduct so much points for her driving, and the majority of the points was conducted for her being on het phone while driving. Then we realized that we drive around with her car most often and she is on the the phone while I drive..

These models has it’s problems but they are getting better - it’s just so easy to make wrong assumptions from ML models which only include a subset of variables.