For insurance to cover it the data tells them whether you are using it or not. If you don’t meet the minimum usage they won’t pay for the machine. Buying it yourself negates that, but they can get spendy.

Do not buy Philips.

Scream, “Do you know who I am???”

60% of the time, it works every time.

Yes. The Great American Streetcar Scandal.

They were never really punished for this and I think this was a lesson learned by all that corps could do what they want without fear of repercussions.

The box is in your car whether or not you select Telemetry Insurance. Unless your car was built pre 2005ish. It varies by manufacturer.

The data gets used after an accident. You tell them you weren’t speeding, but they’ll know exactly how fast you were going and how you maneuvered.

Telemetry Insurance. That part is up to the consumer, but the boxes exist in all cars now. They are usually reviewed after accidents to check the environmental conditions, like speed/braking, steering etc. Manufacturers have had to comply since the mid 2000’s and some took until the mid teens.