to CJ, reohn2 and the other pessimists: your views almost make me sick (I'm trying to be polite

)
It is already happening here in Germany:
Finanztest (the equivalent of money which) reports that insurance companies are "spying on drivers". Cars are fitted with sensors that register, for example, speeding or sudden braking. If the driver is "good" he gets a small discount. Just needs the system to be modified a bit so that illegal behaviour is not possible. There could be a rain sensor too, or a "low-sun-dazzle" sensor.
Let's hope the insurance companies concentrate on their business (reducing costs, reducing claims). Then it might hardly matter if the police continue doing next to nothing.