1. Look, I’m pretty new to driving and just signed up for telematics insurance. Does one hard brake totally mess up my rating? Or is it more about patterns over time? Would love some clarity!

https://www.instapaper.com/read/1941869014

1. Look, I’m pretty new to driving and just signed up for telematics insurance. Does one hard brake totally mess up my rating? Or is it more about patterns over time? Would love some clarity! 2