Great case in point, Tesla insurance dings people for "late night driving" -
https://www.reddit.com/r/TeslaModelY/comments/10xaj74/do_not...
331–340 of 414 posts
Great case in point, Tesla insurance dings people for "late night driving" -
https://www.reddit.com/r/TeslaModelY/comments/10xaj74/do_not...
Earlier quoted context omitted.
I don't see this has a hot take. A couple weeks ago a car intentionally rammed into me from behind. I called 911 and the police took 30 minutes to arrive on the scene. The officer talked to me for about 3 minutes and then threw up their hands and said they wouldn't do anything because I didn't have a plate number and couldn't identify the driver. The police didn't even want to bother trying to get footage from nearby…
More and more people have dashcams now for this reason. Of course those can be used against you as well. Honestly if there's no injury, the police aren't going to care too much about damage to your car. They figure you're insured, so you'll be taken care of. In most cities they have bigger fish to fry and a car accident with no injuries is just not that important. I don't think they're entirely wrong.
Contacted the police, took them about an hour to respond, and the officer gave me his email so I could send him the video. It was hard to make out but you could definitely see the object leave the truck, and a few seconds later appearing in my view, and me swerving.
Contacted insurance, they arranged the repairs, and I was out the deductible. About a week later I got a call from the police saying they looked up the plate and lo and behold, it wasn't even registered to a white pickup truck, but a blue sedan, so the plate was either stolen or swapped from another vehicle, at which point there really was no recourse.
Long story short, even if you have a dash cam, sometimes you're SOL. I _did_ use that as an excuse to upgrade my dash cam to one with better quality and night vision, but yeah, shit happens, and if nobody got hurt sometimes you gotta just accept it.
Earlier quoted context omitted.
All new cars have a blackbox that records what happened before a crash. So it would just stop the constant monitoring point.
Is there a known date before which this wasn’t the case? If you want to buy a car that doesn’t have such a device, do you need a 2010? A 2019? Country dependent?
The only way I would even consider to have one of these things is if the insurance premium would be reduced proportionally to how much I (don't) drive. Only use the car on Sundays? Pay 1/7 of the price. But of course prices can only go up.
You pay a small retainer fee ($1.50/day) and then a per mileage fee. This requires the use of a logging device which also impacts your per-mile rate depending on your driving.
I haven't dug into the nuts and bolts of this, but I wonder how well you are covered when the vehicle is not in motion - parked in garage, on the street, etc. At least in my area parking in public can be a risky option between the hit and runs, catalytic converter theft, break-in, etc.
Earlier quoted context omitted.
I don't see this has a hot take. A couple weeks ago a car intentionally rammed into me from behind. I called 911 and the police took 30 minutes to arrive on the scene. The officer talked to me for about 3 minutes and then threw up their hands and said they wouldn't do anything because I didn't have a plate number and couldn't identify the driver. The police didn't even want to bother trying to get footage from nearby…
> The police didn't even want to bother trying to get footage from nearby cameras when I called back and noted the location of several nearby security cameras that might have picked up the vehicle. If it's any consolation, this is, IME, normal. Unless they stumble on a crime in progress, the cops won't do anything at all to actively attempt to catch the culprit, even when you have things like video of the car with li…
Earlier quoted context omitted.
I definitely listened in a legal podcast that somehow juries award lower sentences to road accident deaths as compared to others. Seems strange.
And you’re using a throw away to make unsubstantiated claims without reference. You’ve given no reasons to take your comments as made in good faith.
https://abcnews.go[.]com/US/hit-run-drivers-kill-people-jail...
If I find the legal podcast link then I will link it here.
A former girlfriend of mine came home one day with one of these devices plugged into her car. She was the kind of person who just said "yes" to whatever was on the form and she simply picked the lowest price option. My head immediately goes to the scenario where theres been some kind of an accident. Maybe it's a fender bender or maybe a pedestrian was hit. In one case you have a couple damaged cars and a deductible.…
The final straw for me after a few months was another driver running a stop sign and feeling my brain waste milliseconds deciding if I should hit the brakes as hard as I should or juuuust hard enough to avoid hitting them in hopes I don't get a beep. I did the latter and it beeped anyway so I ripped it off the ODBII port and threw it on the floor. I changed insurance companies the moment I got home from work.
My final score was really poor and I was pissed since I'm the slowest and safest driver I know.
Earlier quoted context omitted.
It's true, and it's not great, but I think the flip side of this is that as I get older I find myself increasingly paying for the anti-social behavior of others. There are lot of nice customer service things that are only possible if people don't abuse them: solid warranty/return programs, high quality phone reps, etc. But you need people who adhere to the social contract, the kind of people who don't, say, buy a $3,…
Like a social credit score!
Behaving is too hard for some people and I'm fine with punishing via a social credit score.
Earlier quoted context omitted.
More and more people have dashcams now for this reason. Of course those can be used against you as well. Honestly if there's no injury, the police aren't going to care too much about damage to your car. They figure you're insured, so you'll be taken care of. In most cities they have bigger fish to fry and a car accident with no injuries is just not that important. I don't think they're entirely wrong.
I had a situation a few years ago driving down a highway at night when all of a sudden I noticed a weird "thing" in the sky in front of me. It got closer and I swerved, but not enough to avoid it hitting the side of my car, taking off the side mirror and gouging up the front half of the drivers' side. Then I realized it was the plastic bed liner of the pickup truck in front of me that became unattached at highway spe…
Earlier quoted context omitted.
That seems to support the point you replied to. You point to a group of people who opted out of monitoring and exhibited risky driving behavior, leaving leaving lower risk people in the monitored group
They all consented, initially. The insurance companies got the data they need.