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?

[sedated]

Originally Posted by blake5676

I signed up for something similar about 5-6 years ago on the suggestion of my insurance agent. Received a little dongle thing we plugged into the OBD port. It would beep at you for any of the offenses mentioned above. My wife ripped hers out of the port within a week and said she'd divorce me if I ever tried to make her have one again to supposedly save a few dollars. And honestly, I didn't really care for it either after thinking it through.

I did the non-phone one too, and it beeps when I break too hard.

My rating ended up being a 5/5 safe driver and after a few months my rate dropped about 25%

[Boxer_Chief]

Originally Posted by ThrobProng

As far as I can tell, they can arbitrarily raise rates whenever they want, for any reason or no reason at all.

Not true, we have to file rates with the state for approval as Actuaries. And they can object. These programs are actually used to collect data for rating all drivers not just those using them.

[ThrobProng]

Originally Posted by Boxer_Chief

Not true, we have to file rates with the state for approval as Actuaries. And they can object. These programs are actually used to collect data for rating all drivers not just those using them.

Sounds similar to utility companies having to "seek approval" to raise their rates. Sure they have to get approval, but doing so is merely a formality since they are rarely if ever denied.

[ThaVirus]

I had one of those things a long time ago. I was on my dad’s insurance so it had to have been more than a decade ago.

I am a safe driver as is so I had it for a while and it only beeped once. Caught me in a hard brake in one of those situations where I didn’t know if I should risk the red or slam the brakes.

I remember I texted my dad like “Oh, man, this thing just beeped on me” feeling terrible like our rates were going to skyrocket and he’s like “Don’t worry about it. Mine’s gone off like 10 times already” lol

[ThaVirus]

My dad is a shit driver

[tmax63]

Don't worry, I'm sure they would never use that data collected to refuse to pay an accident claim because you were doing 1-2 mph over and leave you in bankruptcy holding the bag. Those SOB's know too much about us already. ****ing insurance is backwards anyway, they're betting you won't be in a wreck and you are betting you will.

[BWillie]

I used to have snapshot. And I always had to worry about having it on, and getting the alerts. I eventually just went to the hell with it and turn it off and stopped using it.

I don't know if I am a perfect driver but I'm not a tense or upset driver. Most people I ride with have so much rage. Everything gets them upset. I don't know if that is because I use autopilot liberally but I just click it on and not worry about if I have a slow driver in front of me. Just about the only thing that annoys me is if I'm in the right lane and cars are coming on the on ramp I sigh because I have to turn the autopilot off and move over.

[Rain Man]

I'm kind of surprised that google isn't selling it directly without our knowledge since I figure they get it from our phones.

[vonBobo]

Originally Posted by Rain Man

I'm kind of surprised that google isn't selling it directly without our knowledge since I figure they get it from our phones.

The car manufacturers are already doing it.

https://www.cbsnews.com/news/gm-sell...texas-lawsuit/

[vonBobo]

Just another poor person penalty brought to you by the encroaching dystopia. Think any rich person with a high performance tree wrapping vehicle has any need for this product?

[|Zach|]

Have one with my insurance it lowered my premium a bit after using it but nothing crazy.

I do not drive crazy and mostly drive to an from work most everything else is walkable or a short distance.

It gives you a scorecard of how you are driving overall and has different catagories.

My only problem with it is the reason I simply have a "good" not "great" score is it says I take turns and corners too fast. In reality I park in a parking garage adjacent to my home and to get on the level I park at your go in circles to ascend up. The program thinks I am taking these crazy endless turns everyday and docks me.

[tyton75]

Any type of "mandatory" tracking I would be against. At that point, its not an insurance savings; its lack of freedom IMO.

[HemiEd]

Originally Posted by tmax63

Don't worry, I'm sure they would never use that data collected to refuse to pay an accident claim because you were doing 1-2 mph over and leave you in bankruptcy holding the bag. Those SOB's know too much about us already. ****ing insurance is backwards anyway, they're betting you won't be in a wreck and you are betting you will.

Believe me, I thought long and hard about that. However, I felt it worth the gamble to get lower rates due to my extremely low exposure they have to pay for an accident I may be involved in. Like I said earlier, if I was having to commute everyday, it would be a hard pass.

Originally Posted by |Zach|

Have one with my insurance it lowered my premium a bit after using it but nothing crazy.

I do not drive crazy and mostly drive to an from work most everything else is walkable or a short distance.

It gives you a scorecard of how you are driving overall and has different catagories.

My only problem with it is the reason I simply have a "good" not "great" score is it says I take turns and corners too fast. In reality I park in a parking garage adjacent to my home and to get on the level I park at your go in circles to ascend up. The program thinks I am taking these crazy endless turns everyday and docks me.

My total score so far is just barely off pegging the needle of excellent, their best rating.

[BIG_DADDY]

LMFAO, no.

[HemiEd]

Originally Posted by tyton75

Any type of "mandatory" tracking I would be against. At that point, its not an insurance savings; its lack of freedom IMO.

So what do you suggest to curtail these irresponsible idiots using their phone while aiming a 3 to 4 thousand pound object at you and your loved ones?

I personally think phones should be automatically disabled once the car movement is detected. Phones should be automatic where only the GPS or map feature works during the car movement.