I mean they use the data to decide what actions are high risk. Someone tailgating and tapping their brakes constantly is inherently less safe than someone leaving proper distance.
Privacy theft, I get it. An opt out should always be available and easy to use.
If you truly have an issue with insurance deciding what is or isn't safe there are organizations that can take over that such as ASTM or NFPA.
How to opt out of the privacy nightmare that comes with new Hondas ( sherwood.news )