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?

[HemiEd]

Originally Posted by BigRedChief

There is no way that wouldn’t be against the first and 4th amendments. It has to be voluntary.

Hey now, don't be making sense here, this is CP! It is a wicked, nefarious and malicious strategy to ruin everything we hold dear in life!

Why would someone think it might actually help put the higher insurance premiums on the higher risk drivers?

[Bearcat]

Originally Posted by HemiEd

Few pennies? Oh well, I guess you won't be doing it then?

Watch out, you might become a tiny dot in some aggregate database of millions of data points!

[HemiEd]

Originally Posted by Frazod

I can't remember the exact quote, but it's something like "If a product is given to you free, then you're the product."

The insurance is the product and I pay for that. This kind of like the free napkins you get at Portillos.

[Frazod]

Originally Posted by HemiEd

The insurance is the product and I pay for that. This kind of like the free napkins you get at Portillos.

And straws!

[HemiEd]

Originally Posted by Bearcat

Watch out, you might become a tiny dot in some aggregate database of millions of data points!

They are out to get me!

[Bearcat]

Originally Posted by KCUnited

Investing it at a higher rate of return than what they have to pay out in the aggregate

Hence shedding riskier policy holders by monitoring their driving habits, age of their roofs, and a million other factors

Thanks I Hate It GIFfrom Thanks GIFs

[HemiEd]

CP never disappoints, it has been an interesting discussion and I am glad I am not in the business of trying sell people on these programs.

I actually remember when cell phone use in the car while driving was a pretty serious violation and now it seems to have evolved to acceptance.

[KCUnited]

Originally Posted by HemiEd

CP never disappoints, it has been an interesting discussion and I am glad I am not in the business of trying sell people on these programs.

I actually remember when cell phone use in the car while driving was a pretty serious violation and now it seems to have evolved to acceptance.

Brought to you by DraftKings

[BWillie]

Originally Posted by HemiEd

So you are ok with people on their phones while driving? If so, quit driving and stick to the weekly football schedule posting. You are part of the problem.

Monitoring of your driving from your phone by the insurance company is hardly using your phone while driving.

[HemiEd]

Originally Posted by BWillie

Monitoring of your driving from your phone by the insurance company is hardly using your phone while driving.

Sorry, I didn't mean to confuse you.

One of the things they are monitoring is distractions, in other words, if you are using your phone while driving. They consider that distracted driving, not good.

Per earlier in the thread, I am pretty sure I mentioned the five items they are monitoring are:
High Speed
Acceleration
Hard breaking
Distracted driving
Time of day

[KCUnited]

Originally Posted by HemiEd

After the home storm damage we had the last two Julys, I would be thrilled never to have a claim again. I won't live long enough for the insurance company to ever break even with us. I swear, dealing with it has given me PTSD or something like that.

Voluntarily putting their device in your vehicle or on your phone seems like the appropriate response to really show them

[HemiEd]

Originally Posted by KCUnited

Voluntarily putting their device in your vehicle or on your phone seems like the appropriate response to really show them

Well sir, when they hit me with the huge auto policy increase, I switched companies as per earlier in this thread. They had no loss on my vehicles, they are all inside when not being driven. I do have empathy for them however as they had to pay back to back years on the storm damage.

The new company is the one with the kickass app, the old one sucked ass and you had to log in each time you were going to drive. I never qualified for their promised discount.

[KCUnited]

Originally Posted by HemiEd

Well sir, when they hit me with the huge auto policy increase, I switched companies as per earlier in this thread. They had no loss on my vehicles, they are all inside when not being driven.

The new company is the one with the kickass app, the old one sucked ass and you had to log in each time you were going to drive. I never qualified for their promised discount.

If you get hit with a huge renewal it’s because they want you to switch as will the new company eventually

No one purges a money maker

[BlackOp]

Originally Posted by Bearcat

Watch out, you might become a tiny dot in some aggregate database of millions of data points!

Except when that "tiny dot" is directly tied to you...and AI creates a digital profile of your life that will never go away.

In the future, law enforcement will be able to access said profile instantly....full psychological report...habits, internet history, purchase history.

Why do you think these telecommunication companies are giving away i-phone 16 for essentially free...because they have a new AI assistant..sold under the idea of a "life co-pilot"...but is literally documenting everything aspect of your life. They say they need this amount of information so your "co-pilot" can be personalized/tailored to the specific person. Next level surveillance...actually, total surveillance.

If a deal is too good to be true...it isnt.

Those adds of people, alone, talking to their digital "assistant" like its a person is disturbing on every level...it's anti-human.

[HemiEd]

Originally Posted by KCUnited

If you get hit with a huge renewal it’s because they want you to switch as will the new company eventually

No one purges a money maker

If that is the case I can't really blame them, but their agent worked like hell trying to keep us. We had major storm damage two Julys in a row, 2024 was a tornado with hail. Roof, siding, windows etc. etc. But it had nothing to do with our autos, they are separate policies.

I have found that changing companies every four to five years is necessary anyway as they have a tendency to gradually increase rates once they think you are comfortable and not paying attention.

Ten years ago our homeowners was just over a grand, now it is four times that +.