That you failed to come to a complete dead stop at every stop sign before proceeding – regardless of the need to come to a complete dead stop.

Every instance of seatbelt scofflawism.

That you drove eight hours straight to visit friends in another state; that last Thursday, you "accelerated aggressively" while trying to merge with traffic. That you turned off the traction control the other day – and squealed the tires.

And here comes the bill, custom-tailored just for you.

This is what Elon Musk has in mind next. The King of Mandated Business is getting into the insurance business – a logical thing since car insurance is the original mandated business that set the precedent for the rest of them. It's an even better business than the electric car business because everyone has to buy car insurance, if they own a car – even if it's not an electric car.   

But Elon's got a a new take on the business. Or rather, a new way to take.

He wants to base premiums not on your record – of accidents and claims – but on data about your driving, mined in real-time as you drive. Which, just by happy coincidence, his cars are fully equipped to provide.