Here's the deal: Progressive Insurance has a 'Snap Shot' auto policy. This is where you plug their dongle into the ODB II port - and it will monitor your miles / time of day / braking, etc.

American Family Insurance Teen Driver Program:

A small device placed behind the rearview mirror captures both an interior and exterior view of your teen’s vehicle. When the auto experiences an erratic movement – extreme braking, sharp cornering, sudden acceleration or a collision, for example – the recorder captures the ten seconds before and after the incident

I wish the Taliban would ass ream the lot of them!