In the UK I worked for the police force, I installed journey data loggers to all the force vehicles which recorded the journey data, speed, g force ( irratic driving – late braking) as well as lights, indicators, etc.
The data was sent to HQ after every journey and also stored inside the unit.
Could we not utilise this service here and offer reduced insurance for good drivers, whilst dangerous drivers are punished with heaver insurance and in the case of an collision the data can be used to punish the persons at fault correctly.