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AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations

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Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations

#11

Post by causal »

Another tech asymmetry that puts consumers at a disadvantage.

I wonder if there exists any kind of service for similarly leveraging technology to help consumers find claims opportunities. E.g. run a drone after a hail storm to look for damages that consumers could file claims with. Ideally the carrier would also be doing this, but most aren't going to volunteer money away.

Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations

#12

Post by ToucanLoucan »

josefresco wrote: post #7

Expanding on this idea - can health insurance companies fly a drone over my house and see me in my hard eating a cheeseburger and cancel my coverage? Can an auto insurer do the same and cancel my coverage because they see me doing burnouts in my driveway? Seems like a giant privacy violation but I'm no legal expert.

There's every reason to assume that these applications are the ones actually backing Open AI and co's insane valuations. They want to use these products to lock consumers down even harder. Actively rewrite contracts that already favor them, to favor them even harder. Cancel contracts that look to need payouts soon. Determine risk assessment for insurance policies, mortgage holders, and screw every last customer out of every last nickel they can. And the privacy destruction will be smuggled in under the notion that "well no HUMAN is looking at these photos, only these machiiiiiines!" with the added side benefit of laundering the responsibility of awful decisions onto those machines, and assigning them the credibility of them too. "The decision is perfect, impartial and unbiased. A computer made it, after all!"

And these applications, crucially, are not pie-in-the-sky, someday-this-will-work type situations as is comprehension of knowledge by an LLM, or a video generator that can remember what a character looks like, no. This is exactly what ML is already used for: aggregate analysis of massive amounts of statistical data. This is it's bread and butter.

That's worth $80 billion. Not shitty melty royalty-free images.

Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations

#16

Post by renewiltord »

josefresco wrote: post #7

Expanding on this idea - can health insurance companies fly a drone over my house and see me in my hard eating a cheeseburger and cancel my coverage? Can an auto insurer do the same and cancel my coverage because they see me doing burnouts in my driveway? Seems like a giant privacy violation but I'm no legal expert.

An elder care insurance provider definitely sent private investigators after the parents of someone I knew. Their way of getting out of the plan was that he was lifting cardboard boxes: something that his condition should not have permitted.

Your car insurance isn’t high value enough but yes they already do this otherwise.

Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations

#18

Post by realce »

josefresco wrote: post #7

Expanding on this idea - can health insurance companies fly a drone over my house and see me in my hard eating a cheeseburger and cancel my coverage? Can an auto insurer do the same and cancel my coverage because they see me doing burnouts in my driveway? Seems like a giant privacy violation but I'm no legal expert.

The answer is absolutely "yes". Your car will snitch on you, your house will snitch on you, your phone will snitch on you, your credit card will snitch on you, on an on.

This nation is built to support corporations, not personal freedom. This is the result of that architecture.

Re: AI-Driven Drone Surveillance Is Leading to Home Insurance Cancellations

#19

Post by ryandrake »

Drone or no drone, insurance companies shouldn't be allowed to suddenly drop a covered customer, without having to work with the customer on correcting whatever they are concerned with. There should be a mandatory grace period allowing the insurer to provide notice and list whatever corrective actions they required, and for the customer to either dispute or take those action. "The Market" is clearly failing to provide this on its own. We need some kind of Insurance Customer Bill of Rights.
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