While all those incidents you described weren't your fault, surely you have to agree that there's a correlation between driving in situations like that and being more likely to get in an accident? It isn't just about your driving performance, if you're driving in places or intersections where people tend to cut you off or run red lights - or hell, just places with lots of traffic and intersections in general - that's hugely predictive of the chance you'll get in an accident relative to someone that drives a less travelled route.

It's a failure of the industry that they tend to market this monitoring as all about the driver. It's really not, it's just conditional probability.