A safe driver has nothing to fear, takes the camera, and pays less.
This is a fallacy in line with "innocent people having nothing to fear from the government" that we hear as justification for illegal wiretaps, which is patent bullshit. If I get in a wreck and it's my fault, my policy (typically) gets reviewed, maybe canceled and my premiums go up. Insurance companies serve me, not the other way around. I've had one ticket in my last 20 years of driving in a large, congested metro area and I sure as hell don't want my insurance company watching me drive.
The reward of a thing well done is to have done it. -- Emerson