Well, I'm in the UK but not a driver (cyclist by choice). My point is that the black boxes should be almost mandatory (or at least fitted by default) in order to detect health problems which I don't think the insurance company provided boxes do. Have it be a standardised device and provide the data to the owner so that they can decide on whether or not to provide that data to third parties (probably worth having anonymised data available to the government too). It could be a very useful early warning of a number of conditions as well as providing an incentive for drivers to pay attention.