besides the world ending before 2015 ...i've never owned a vehicle of a newer year model anyhow, so i figure i'm safe. that is, unless i win the lottery.
the insurance companies have been allowing crazy claims for decades which has inevitably pumped up insurance prices no end, solution to cheaper car insurance is we get to watch and track everything u do, so we can protect u from yourselves.
if they really wanted safer roads and cut down or even eliminate drunk drivers they could put breathalyzers on in your which wont start if your over the limit.