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?

[stevieray]

Originally Posted by Frazod

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. .

Same here in KC, no Police presence on the roads.

So naturally, people drive like they want.

I see people speed/roll through stop signs daily.

[HemiEd]

Originally Posted by Frazod

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.

My grandson down in the Ft. Worth area received a bunch of tickets issued as a result of cameras.

They don't have them up in Chicagoland yet?

[CatinKS]

I had this on my work vehicle for several years. When it started everyone was getting major number of violations. The safety department than tweaked the sensitive of settings for braking, speeding etc... And wow we all became perfect drivers. Likewise, the insurance company can tweak the results to however they want.

[Frazod]

Originally Posted by George Liquor

Ive had no tickets for 20+ years and 1 wreck that wasn't my fault. They can give me the benefit of the doubt and cram their spy app up their asses.

In my younger days I used to average a speeding ticket a year. I've probably gotten a couple of dozen of them. It's been about 10 years now since I've gotten one (knock on wood) and I drive much faster now than I did then.

[Frazod]

Originally Posted by HemiEd

My grandson down in the Ft. Worth area received a bunch of tickets issued as a result of cameras.

They don't have them up in Chicagoland yet?

I don't think so. I'll occasionally see signs saying that the speed limit is photo enforced, but I've never gotten a camera speeding ticket. I have gotten nailed a couple of times making right turns at stoplights in Aurora. That's it.

I hate Aurora. It's the stinking asshole/Chicago wannabe of the western suburbs.

[George Liquor]

Originally Posted by Frazod

In my younger days I used to average a speeding ticket a year. I've probably gotten a couple of dozen of them. It's been about 10 years now since I've gotten one (knock on wood) and I drive much faster now than I did then.

Ive had 2, both when I was a teen. One for doing a burn out and one for going 77 in a 55mph zone.

[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!

[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.....

[stumppy]

A: If my insurance company was monitoring my driving habits I'd probably be uninsurable or at least very high risk.
B: Letting an Ins. Co. monitor you can and probably will come back to bite you in the ass sooner or later.

[DJJasonp]

I have enough unnecessary surveillance in this country. Hard pass

When i was looking into teslas, the insurance is sky high. Tesla will insure you, but you have to allow them to monitor your driving and you get a score each month and your rates can adjust accordingly.

So no, hell no, to that.

Insurance is already a big enough scam as it is.

Just another way for them to expand profits.

[Frazod]

Originally Posted by George Liquor

Ive had 2, both when I was a teen. One for doing a burn out and one for going 77 in a 55mph zone.

There was a time when I'd drive home to Missouri every other weekend. I was averaging about 2,500+ miles a month. The bulk of my tickets have been 70 in a 55 out in the middle of bumble**** Illinois.

I've gotten several in Wisconsin, too. If you have Illinois plates on your car, cops up there view you as a twinkie on wheels. After the last one I simply quit going there.

[notorious]

I've got Optimus Tracking on all work vehicles and trailers(6).

If someone touches a trailer, I'm notified. If my employees drive 5mph over the speed limit, I'm notified. If they break hard, I'm notified. If they have a moist fart, I'm notified.

Also has a geofencing function that I used to clock them in for work.

Wonderful tool, and it's connected to the vehicle, not the phone. Makes mileage logging simple for the Uncle Sam.

[Womble]

Originally Posted by 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.

Maybe you shouldn't do that lol

[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.

[TLO]

I use the one through State Farm. Saves me about $100 bucks a month.