Koolau
Give me a museum and I'll fill it. (Picasso) Give me a forum ...
Agreed, it is definitely an irritant. Penalizing you for braking hard to avoid an accident doesn't seem to make a lot of sense.
However, over the 6 months the program tracks your driving before coming up with a discount, you can have several harsh braking instances with little negative impact to your score/discount. I think I was hit with seven or eight plus a handful of phone handling and hands free call dings and still ended up with a 27% discount.
Hmmm. How do they know about your phone?