Some of the more flexible Deployment platforms can deploy just about anything, but a well designed MSI is far easier. That said I've come across many, many poorly designed MSIs, which are just as much hassle as anything else.
A good driver may occasionally be confronted with a car that cuts them off or a pedestrian that forces them to break sharply. However a bad driver would statistically face a similar number of such obstacles while having more hard brakes due to driving too fast and too close. The good driver will still appear statistically safer to the insurance company.
Obviously you don't work where I work. I allow plenty of stopping distance, have blind spot mirrors and sharp acceleration is a near impossibility with diesel Ute (Pickup Truck) and yet I face at least 1 or 2 morons every day I drive to work. My wifes fears for my safety when driving to work and that's living in Capital city in Australia.
So in summary, what you are telling me is that with all the sharp breaking/swerving I have to do as a matter of course on my daily commute, is that I'm a bad driver? I for one, wont be accepting a company that requires such an invasion of my privacy.
"Gravitation cannot be held responsible for people falling in love." -- Albert Einstein