If those stupid little OBD port modules from the insurance company are anything to go by, slamming your brakes because someone cut you off at a normally safe speed will ding you.

Suddenly stopping because you rear ended that idiot to avoid the ding will also likely ding you.

In theory, on average, your rates should go down because these sudden changes in motion shouldn’t be statistically common, but it’s controlled by profit-seeking entities, so in practice it’s just more unsurprising authoritarian corporate spyware that can’t get the whole picture, scolding you and justifying your punishment.