271–280 of 333 posts
Earlier quoted context omitted.
Sure they are. Speed is easy to detect for instance. Someone driving 50mpg in a 25mph school zone should have massive increases to their insurance as they present huge risk.
Should the fine be the same regardless of whether it's five minutes after school let out out or 3AM on Christmas day?
I hope so. Get the animals off the road.
Imagine a scenario where bunch of those animals brake check you, and then your insurance company calls you up and says "Hey jgalt212, we're seeing that you your forward collion avoidance system got activated too many times this year. We're going to flag you as a tailgater and up your premium by %80. Have a lovely day."
After seeing this article, I did a bit of searching and you can also get your LexisNexus report and also opt-out of data sharing along with deleting associated data. I did it and recommend everyone else does as well. https://consumer.risk.lexisnexis.com/consumer
Do you have a link where one can opt-out of data sharing or deleting associated data? I cannot find anything on the LexisNexis site allowing for that.
The easiest way to disable this in a Chevrolet with OnStar is to pull the fuse (Fuse 38 under the dash for the Chevrolet Malibu 2024). Other options disconnecting the antenna (can still connect if strong signal), or pulling out the box/microphone (disassembly required). At least for the 2024 model CarPlay features seems to keep working, but I haven't tested Bluetooth yet. There's somebody on YouTube describing the pa…
Gives the creepy vibes, but if you stop to think about it - this can stop good drivers from subsidizing the bad drivers. Not like the insurance companies are doing to lower the premium on good drivers, if you have a problem with that talk to capitalism. But bad drivers getting higher premiums is good for everyone.
Not necessarily. In many parts of the United States, a car is the only viable mode of transport. If you price the bad drivers out of the insurance market, they will forgo insurance all together. Then, if they cause a loss, they will be uninsured and the other driver's insurance will have to pay for the loss (or spend resources in costly suits) anyhow. So, then good drivers premiums will need to go up to compensate for the extra "bad drivers can't afford insurance" risk that good driver's carry. We end up in a similar situation in a roundabout manner but with the added element that now all our data is stored on everyone's servers.
(From the Toyota Connected Services Disclaimer) Your Responsibilities Your responsibilities include: (1) informing passengers and drivers of your vehicle that data is collected and used by us, and (2) notifying us of a sale or transfer of your vehicle. If you do not notify us of a sale or transfer, we may continue to send data about the vehicle to the subscriber's Account Information currently on file, and we are not…
I remember driving a nissan leaf. You had an opt-out prompt every time you drove the car.
Earlier quoted context omitted.
Xfinity similarly does this if they overcharge you on a contract. They try to upsell on a new (less value) contract for an hour before finally just changing tone and saying "you're right we messed up" and refunding you.
After all, you called them, which shows you're a ripe target. Every sales person knows that. Oh, you thought they were a support person? Maybe sales support.
Examples:
1- "God told me to..."
While canceling Time Warner Cable I tried cancelling a few times prior. Always met with rebuttals, put on hold to research the account. Either waited on hold for 20 minutes or the call was disconnected. Tried again and gave the reason for cancelling "God told me to" account cancelled immediately. (I have also heard simply saying you're moving out of the service area works too.)
2- "Moment to pray" - Buying time or dissuade an aggressive salesperson.
My wife just recently gave birth to our first child. When her water broke she wanted to go to the nearest hospital which was within walking distance instead of getting a cab across town to the hospital where she was originally being seen. She remained adamant that she wanted a natural birth unless it would potentially endanger her health or our daughters. She has two friends who were pushed into C-sections both of which ended up having complications due to the procedure.
After six or seven hours after her water broke an administrative nurse came in with a shot and said she was going to start inducing labor. My wife pushed against this as she was worried about complications from a C-section. The administrator had a rebuttal to everything, to the point she even started crying. When I continued to hold ground they brought up concerns of spousal abuse.
This registered an immediate red flag and luckily I defaulted to "God mode"
I asked if we could have a moment to "pray". This bought us enough time to speak with the doctor face-to-face who agreed to wait a few more hours before inducing labor to avoid a C-section. We had a successful natural birth with no side effects.
(Hospitals' make 2-3x from a C-section as they do from a natural birth.)
(*When asked if it was medically necessary the administrative nurse would only say it was hospital policy and they do the same for everyone else who was on the floor.)
I‘m a huge fan of s telemetry insurance. I have I personally and it saves me around 300€/year on my cars insurance because I am a very defensive driver. However, this being integrated into the vehicle in an absolutely intransparent way is a huge step up and a really unsettling privacy violation. For this to be ethically viable imho, there need to be a few prerequisites - it’s transparent what has been transmitted - y…
My sister had it, and it was biggest piece of crap imaginable. The system would send her emails warning her about "lack of smoothness" in her driving, because....the system would rate her down every time she went over a speed bump.
The biggest problem was that she would get emails saying "we've detected you were going 70mph in a 20mph zone, if this continues we will cancel your insurance", so we would call them and ask them to provide GPS logs, which they always would - and the logs would always show that she was going legal 70mph on the motorway, which at one point goes above a smaller 20mph road - and of course the system was stupid enough to just query the speed limit for every point, not realizing that this wasn't the road she was actually on. We would email them back explaining, and the warnings would go away until she went on that road again.
Absolute waste of time and money, I think the insurance company would need to pay me to have this fitted, the nerves it cost my sister to have that piece of crap in her car weren't worth whatever discount she got for it.
Earlier quoted context omitted.
The cars are not capable of measuring how dangerous the driving is.
Sure they are. Speed is easy to detect for instance. Someone driving 50mpg in a 25mph school zone should have massive increases to their insurance as they present huge risk.
> "More specifically, automakers are selling access to the data to Lexis Nexis, which is then crafting “risk scores” insurance companies then use to adjust rates. Usually upward" In an ideal world, such data-harvesting might lead to cheaper prices / a more efficient insurance market - which would make the privacy loss worth considering from a trade-off standpoint, at least in theory. Unfortunately it's instead likely…
> In an ideal world, such data-harvesting might lead to cheaper prices / a more efficient insurance market - which would make the privacy loss worth considering from a trade-off standpoint, at least in theory. In an ideal world (read: perfect information knowledge), this would lead to insurance being a bad deal for every consumer of it. In the theoretical position where insurance companies can accurately price each i…
Isn't that the main point of insurance?
Insurance can also socially redistribute bad things. Which fair enough it is in practice a result of insurance but I don't think that's what it was invented for. And indeed the better the insurer's crystal ball the smaller this effect is.
Although in practice I don't think there ever will be a crystal ball good enough to make insurance a bad deal for everyone like that. You always have to insure against another driver being bad or just plain bad luck.