Auto Insurance driving surveillance

[HemiEd]

Do you have a program on your phone?

We used to have a program, drivewise, with our old company, that was supposed to give us an annual 10% discount, but it seldom worked consequently we didn't receive the discount most of the time.

However, our new insurance company has one called Intellidrive that is incredibly accurate and rates each trip in five categories. Hard Braking, Acceleration, High Speed, Time of Day and Distraction.

I personally think it is great as if someone is on their phone, it will log it.

One time I pushed the button to decline an incoming call while driving and it caught it. Yesterday, I hadn't had the Challenger out for a couple months and blew the cobbs out leaving a stop light and it caught it.

I know this is a slippery slope, but I can see some benefits reducing the people constantly on their phone while driving. That problem is out of hand and in my opinion, something needs to be done.

What say you?

[ptlyon]

The gov..., er Santa, has been watching you for years.

[Frazod]

I say I get spied on enough without embracing it. And making it mandatory is way too ****ing slippery.

And honestly, the idiots playing on their phones while driving were probably being idiots while driving before they had phones.

I've actually seen a guy kicked back on a crotch rocket, steering with his feet while texting. On the interstate, passing me doing about 90.

[HemiEd]

Originally Posted by Frazod

I say I get spied on enough without embracing it. And making it mandatory is way too ****ing slippery.

And honestly, the idiots playing on their phones while driving were probably being idiots while driving before they had phones.

I've actually seen a guy kicked back on a crotch rocket, steering with his feet while texting. On the interstate, passing me doing about 90.

I can see that. It is truly a slippery slope, without question.

We drive so little that I have been looking for insurance rates that reflect how much the insurance company is actually exposed. 5 vehicles @ less than 5k miles per year total for all of them. Of course there is also the old people stigmatism this program helps with as well.

Wow, I haven't seen anything like your crotch rocket experience but I do constantly see young girls texting while paying no attention to their driving.

[ptlyon]

Originally Posted by Frazod

I say I get spied on enough without embracing it. And making it mandatory is way too ****ing slippery.

And honestly, the idiots playing on their phones while driving were probably being idiots while driving before they had phones.

I've actually seen a guy kicked back on a crotch rocket, steering with his feet while texting. On the interstate, passing me doing about 90.

You just mind your own business. You're a driving hazard, grandpa!

[HemiEd]

Originally Posted by ptlyon

You just mind your own business. You're a driving hazard, grandpa!

That is what I am hoping it will disprove, but we shall see. Our insurance company is exposed to a potential accident less than 50% of the average annual mileage.

So far it has me graded as an excellent driver. I did find it humorous that one day it got me for hard acceleration in the Prius on eco mode. It also got me for hard braking when avoiding hitting a deer.

But in 84 days and 1803 miles (a trip to Texas) I have only had 4 events.

I can see the benefit if there were ever an accident proving who was at fault possibly.

[Deberg_1990]

Originally Posted by HemiEd

It also got me for hard braking when avoiding hitting a deer.

If this type of stuff brings down your rating, they should have a way for the customer to dispute it as being legit and necessary.

[HemiEd]

Originally Posted by Deberg_1990

If this type of stuff brings down your rating, they should have a way for the customer to dispute it as being legit and necessary.

I agree and have all four events documented. Hopefully when renewal time comes we can discuss it.

I have been racking my brain trying to come up with some excuse for hammering the Challenger yesterday until I grinned. I did let off at 60, the speed limit though.

[stevieray]

Originally Posted by HemiEd

That is what I am hoping it will disprove, but we shall see. Our insurance company is exposed to a potential accident less than 50% of the average annual mileage.

So far it has me graded as an excellent driver. I did find it humorous that one day it got me for hard acceleration in the Prius on eco mode. It also got me for hard braking when avoiding hitting a deer.

But in 84 days and 1803 miles (a trip to Texas) I have only had 4 events.

I can see the benefit if there were ever an accident proving who was at fault possibly.

No way I'm hooking that up to my Elco.

No fun in that.

[notorious]

Originally Posted by Frazod

I say I get spied on enough without embracing it. And making it mandatory is way too ****ing slippery.

And honestly, the idiots playing on their phones while driving were probably being idiots while driving before they had phones.

I've actually seen a guy kicked back on a crotch rocket, steering with his feet while texting. On the interstate, passing me doing about 90.

Darwin will clock in.....

[Spott]

I have this on my work truck(except for the distracted driving) and it’s definitely conditioned my driving to completely avoid hard braking, speeding, etc. The speeding and accelerating was never an issue for me, but the hard braking thing is really sensitive. I now run at least a couple of red lights daily that I would normally stop at just to avoid getting a hard brake.

[KCUnited]

I decline it as an option since I drive like a maniac and it would probably cost me more in premiums

[Frazod]

Originally Posted by KCUnited

I decline it as an option since I drive like a maniac and it would probably cost me more in premiums

I don't drive like a maniac anymore, but I still drive fast and fairly aggressive. Hell, up here nobody pays any attention to the speed limit anymore, anywhere. Half an hour ago I was doing 75-80 on the interstate in a 60 zone and getting passed. People who actually drive the speed limit are more likely to cause accidents in this environment.

[KCUnited]

Originally Posted by Frazod

I don't drive like a maniac anymore, but I still drive fast and fairly aggressive. Hell, up here nobody pays any attention to the speed limit anymore, anywhere. Half an hour ago I was doing 75-80 on the interstate in a 60 zone and getting passed. People who actually drive the speed limit are more likely to cause accidents in this environment.

The 202 out here is like 12 lanes so you're a hazard just going 5 over

Snowbird season is the most dangerous because they'll do the speed limit while everyone else is doing 80+

The distracted driving is out of control though. People giving 5 car lengths at stoplights so they can scroll their phones

[Frazod]

Originally Posted by KCUnited

The 202 out here is like 12 lanes so you're a hazard just going 5 over

Snowbird season is the most dangerous because they'll do the speed limit while everyone else is doing 80+

The distracted driving is out of control though. People giving 5 car lengths at stoplights so they can scroll their phones

Granted, I don't drive anywhere near as much as I used to, but I rarely see cops anymore, and almost never see cops pull people over. I-88 by my house is like a combination between the Indy 500 and Mad Max, and most days, not a trooper in sight. There was a time when I wouldn't dare go more than 10 over on any road up here and cops were a nearly constant presence. Doing 70 in a 55 was like dangling your junk in the face of the gods. Not anymore.

My FIL lives in Buffalo Grove. I used to allow myself 45 minutes to make the drive to his house. Now it routinely takes me half an hour. I'm not complaining, but it never stops being odd.