This is a great use of this technology. In aggregate, these hard braking events _do_ tell us about road design issues. They also tell us about problematic drivers, in aggregate.
I'll never use one of these dongles, though, because I don't want my every move second-guessed. There's nothing _inherently_ dangerous about isolated hard braking or cornering or acceleration events. It all depends on context. Am I braking hard to avoid an obstacle or mistake by another driver? Is there someone behind me that's likely to rear-end me, or am I in the middle of a highway in the desert? Did I just replace my brake pads and I'm bedding in the new pads?
I don't want to have to worry about whether I've used up my invisible quota before the algorithm decides I should be moved into a more expensive insurance bracket.