Flutterby™! : Risk Detector

It occurred to me that what we need in cars is a feedback mechanism for risk. Instead of a radar detector, which tells you where the cops may be, the risk detector would give you a snapshot of your current risk of having an accident. There could even be a second readout that gives your risk of having a fatal accident. There are four potential inputs (of increasing technical complexity):

1. Your driving behavior. Some insurance companies are already tracking driver risk to modify premiums. A simple ODBII reader could tell things like: average speed, rate of acceleration (and deceleration), number of lane changes, frequency of left-hand turns.
2. Your position overlaid on a map of risky roads and intersections. Just join a table of accident reports with the database in your GPS. Viola.
3. Driver behavior around you: get input from backup sensors and maybe put an array all around the vehicle. Are cars around you changing lanes unnecessarily? Are they flying past you at high rates of speed?
4. Driver history: everyone has a device on their dash that they have to insert their license into in order to start the car. The device broadcasts the number of points against your license so that risk detectors can factor this in for drivers of vehicles within accident range.

The point is to give the driver an understanding of elevated risk and allow for it. For instance by increasing following distance, avoiding lane changes, making right turns instead of left.