Comment by MichaelMug

I understand that my opinion on this matter may be controversial, but I feel compelled to share my experiences. In the past five years, I've noticed a significant increase in aggressive driving. I've been the victim of two hit-and-run incidents where I was rear-ended, and the drivers fled the scene. In a third incident, a driver collided with the side of my car as the road curved and had the audacity to tell the police that I was at fault. In Texas, I've witnessed rampant red-light running, failure to stop at stop signs, excessive speeding (more than 15 mph over the limit), tailgating, and failure to use turn signals.

I believe that telematics could be a valuable tool in addressing this issue by scoring drivers based on their driving habits and adjusting their insurance rates accordingly. This would not only encourage safer driving practices but also ensure that responsible drivers are not unfairly penalized for the actions of aggressive drivers. In my opinion, telematics should be required for operating a vehicle on public roads.