Furthermore, if you drive under the category of "bad" driver and you never have an accident, what does it tell you? What if you drive under the category of "good" driver and have more accidents than the regular "bad" driver?
This is certainly not a selling point, as they clearly only use this gimmick to grab your attention, and the charge you more in some way (i.e. they will charge you a fee for the device, then usage fee, etc, etc.).
Eventually to them there would be only drivers that have accidents and drive "aggressively", so they pay more, and those who were involved in accidents and pay more.