The New York Post is not a reliable source.
Sorry I’m unfamiliar. Why?
It's a tabloid. Facts aren't particularly relevant to them. Basically the pre-internet equivalent of clickbait (although of course they do have an online presence now).
Car is spying on you, leading to higher insurance rates
21–30 of 74 posts
Re: Car is spying on you, leading to higher insurance rates
#22It sounds a bit like the pre-crime angle from Minority Report . Because aggressive drivers with accidents and citations already pay higher rates. This is, I assume, penalizing aggressive driving that hasn't yet resulted in a citation or accident. Or, maybe, penalizing those that drive in riskier areas , regardless of habits? Might be interesting if someone could push for whether anyone's rates went down as a result o…
That's how insurance underwriting works anyway, as gender, age, car model ect are all used to calculate a premium based on risk.
In the UK you can have a "black box" fitted to your car by insurance companies, where low risk driving get you a discount on your renewal.
Re: Car is spying on you, leading to higher insurance rates
#23Dahl said that his insurance agent told him the price increase was based on data collected by LexisNexis, which compiled a report tracking each and every time he and his wife drove their Chevy Bolt over a six-month period.
You can request your free LexisNexis report
Re: Car is spying on you, leading to higher insurance rates
#24What isn't spying on you nowadays?
Just looking at the past decade I think most people would agree that what isn't spying on you, will be.
Or if that's not popular how about what isn't spying on you would be if they could.
(And while I'm ranting, I'm sure manufacturers would love a subscription model for the clothes I wear as well but they haven't yet figured out how to do that.)
Re: Car is spying on you, leading to higher insurance rates
#25Is Toyota still the largest US automaker by sales? Curious they were not mentioned in the article.
No GM took it back a couple years ago. I would bet GMs recent refreshes for SUVs grabbed a little bit of market share. Toyota lagged a little bit and had the same models/versions for a decade. I’d expect it may reverse now that Toyota has a ton of refreshed models coming out, Land Cruisers, 4Runner, and the Lexus GX are a few examples.
https://www.statista.com/statistics/249375/us-market-share-o....
Re: Car is spying on you, leading to higher insurance rates
#26Hot take: rapid acceleration and braking are symptoms of bad driving, and bad driving should come with barriers to being on the road with us and landing in our insurance pools. Driving information is fine to collect on public roads, and it should be ubiquitous rather than something collected in secret. Meanwhile in Texas, red light cameras can’t even be used to give tickets anymore.
100%. There is only one way to drive; calm and considerate.
Need to do everything to make sure drivers actually drive like this.
Re: Car is spying on you, leading to higher insurance rates
#27Hot take: rapid acceleration and braking are symptoms of bad driving, and bad driving should come with barriers to being on the road with us and landing in our insurance pools. Driving information is fine to collect on public roads, and it should be ubiquitous rather than something collected in secret. Meanwhile in Texas, red light cameras can’t even be used to give tickets anymore.
What’s rapid acceleration? What’s hard braking? Are the cars measuring it accurately?
Why do I want my property reporting this data without my consent?
Re: Car is spying on you, leading to higher insurance rates
#28It sounds a bit like the pre-crime angle from Minority Report . Because aggressive drivers with accidents and citations already pay higher rates. This is, I assume, penalizing aggressive driving that hasn't yet resulted in a citation or accident. Or, maybe, penalizing those that drive in riskier areas , regardless of habits? Might be interesting if someone could push for whether anyone's rates went down as a result o…
> This is, I assume, penalizing aggressive driving that hasn't yet resulted in a citation or accident.
If there's no context about the situation then how do they differentiate aggressive driving vs reasonable driving?
For example if you're in a 2 lane highway and the left lane is clear but you're behind someone doing 40 mph in a 60 mph on the right lane, so you quickly accelerate and switch lanes to pass them. Super defensive drivers who happen to also go unreasonably slow cause a lot of problems and traffic.
Also, what about temporarily speeding to get through a yellow light because the alternative is to slam on your breaks and potentially get rear ended. Or coasting a bit above the speed limit because you're "keeping up with traffic" on a major highway with no lights.
Re: Car is spying on you, leading to higher insurance rates
#29Earlier quoted context omitted.
Other replies have made good points I agree with, but another way of looking at this is what "spying on me" means. For example, is bookmark sync "spying"? I would say no, but many would say yes simply because that sync goes through someone else's machine. If the browser vendor uses aggregated domain popularity across bookmarks to inform their browser testing, is that now spying on me? Maybe, but the term "spying" has…
I propose focusing on the worst part: information collection on a massive scale. Even if it is not used right now by a spy. They can use what is collected at this moment against you at any point in the future.
This is fair, but hard to define. If you necessarily store data as part of providing a service, but don't use that data for (example) ad targeting, is that a problem? That's a service that cannot exist without data collection (examples being cloud storage), and a service that is valuable to users. Should we avoid services because of what they could do in the future?
Things like the DMA are addressing this well I think. The DMA aims to prevent sharing of data for things the user did not opt in to, that are outside of the product remit. So a hypothetical cloud storage provider could not use that data for ad targeting without getting an opt in from the user, but the user can still use the storage service.
Re: Car is spying on you, leading to higher insurance rates
#30It sounds a bit like the pre-crime angle from Minority Report . Because aggressive drivers with accidents and citations already pay higher rates. This is, I assume, penalizing aggressive driving that hasn't yet resulted in a citation or accident. Or, maybe, penalizing those that drive in riskier areas , regardless of habits? Might be interesting if someone could push for whether anyone's rates went down as a result o…
That's how insurance underwriting works anyway, as gender, age, car model ect are all used to calculate a premium based on risk. In the UK you can have a "black box" fitted to your car by insurance companies, where low risk driving get you a discount on your renewal.
Right. It would be interesting, though, if this new source of data for them only resulted in increases for certain people...and no decreases for anyone.