Your car is ratting you out

A buddy of mine had one of the reporting apps, and his insurance shot up after a trip to Florida because, horror of horrors, he kept up with Interstate Traffic!

Well, everyone's rates in FL are going through the roof, insurance, monitoring or not. But . . . I had the Allstate "Drivewise" plug for a while and quickly found it to be the opposite of what they advertised. Every time I avoided an accident by hitting the brakes, it registered a hard braking. They are accumulative. Drive the wrong time of the day, you get penalized. Wrong day of the week, you get penalized. Avoid accidents, you get penalized. I watched my 30% discount rapidly decrease to 10%. When Allstate switched from a plug-in module to cell phone app, it never would work on my phone, so I switched to USAA and never looked back. IN the end, these insurance company "discount monitoring" programs are going to bit you in the azz one way or another.
 
We don't need in car monitoring in NV to push up our rates. The headline body count this year has been ridiculous.
 
My insurance company offers a discount if you let them evaluate your driving patterns via a phone app. I'm giving it a try to see how much of a discount, if any, I can get.

I tend to drive faster than most, with quick stops and acceleration, routinely a bit over the speed limit, but I do come to full stops at stop signs, and I don't drive at 3 AM — actually, hardly ever at night — so we'll see how it goes.

If my insurance company and car manufacturer track me around and discover my favorite supermarkets, restaurants, shooting range, and gas stations, I don't think I care...

SO...........The only escape from big brother is toss your phone and leave house walking.............
 
I guarantee you that my car isn't ratting me out!
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Every day I live my life, head held high, look people in the eye. I don't lie, cheat or steal. I commit zero crime (except thought), love my country and defend what's right (yes, I decide what that is for me). I really don't care who is watching me, I worked for 53 years in many capacities, somebody was always watching. In other words, **** with me and be ready for what comes next. Joe
 
My truck has roll down windows, my phone is plugged into the wall and my own private dump is paid off. None are capable of ratting me out for staying up past 10 pm. Being an international/cosmic ner do well, ya can't be too careful.
 
Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies

LexisNexis, which generates consumer risk profiles for the insurers, knew about every trip G.M. drivers had taken in their cars, including when they sped, braked too hard or accelerated rapidly.

Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies - The New York Times


Kenn Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident.

So Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor....

...Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car....

Yeah, I'll keep my 25+ year old car.
 
Selling private data is big business. Doctors offices do it, nearly anyone that has an email has their data sold to someone. Fox news won't let you read the news unless you give them your email, which is immediately sold to the lowest buyer. No such thing as privacy today.
 
My truck is a 2009 { low mileage } and wife's car is a 2017, and we have NO smart or I phones. Even if we did....not that willing to give in to pressure to save a few bucks. Same thing with money, cash or check, and no credit cards . Works for us !
 
My insurance company offers a discount if you let them evaluate your driving patterns via a phone app. I'm giving it a try to see how much of a discount, if any, I can get.

I tend to drive faster than most, with quick stops and acceleration, routinely a bit over the speed limit, but I do come to full stops at stop signs, and I don't drive at 3 AM — actually, hardly ever at night — so we'll see how it goes.

If my insurance company and car manufacturer track me around and discover my favorite supermarkets, restaurants, shooting range, and gas stations, I don't think I care...

I'm doing the same. Car insurance has gotten really expensive and maybe it will help. I figure since I don't drive much anymore and mostly take short trips they'll cut me some slack.

So far they rebated me $54. I'm waiting on the renewal....
 
My 21 jeep Islander is a tattletale. The only thing that could be doing it I think is the Sirius radio. I have no GPS, on-star type nonesense and no cell phone.

I get some sort of a Car Fax report in my computer Email at least once a month. Mileage Is always within 50 miles of whats on the Jeep.

Wondering what to expect when my yearly auto insurance comes due in August this year.

:D Good thing I did not have this much information available to my insurance companies about my driving habits when I had my Corvettes.
 
If you have a computer in anything your phone, car, home , refrigerator, shopping online etc. they are all ratting you out. Love Big Brother.
 
A good friend of mine was lead accident investigator for Eastern Washington with the State Patrol. He retired and went to work as a local deputy doing the same thing. He now works for the city prosecutor's office as...you guessed it "lead accident investigator." He has a somewhat unpopular position with his ex law enforcement friends because he recently did an investigation of a fatality regarding a cop without lights and sirens killing a young kid on a bicycle.
He has told me that while he was getting his degree in computer science he learned that with these new cars, meaning anything that has a CPU in it, the computer tells him everything from what the engine temperature was at the time of accident to the speed, whether the brakes were appllied, everything is all right there. You can't lie about the facts and they are all on display right on the computer screen.
Years ago as a Union rep for a maintenance facility of a city bus operation I was told management was going to install cameras in the building. They got a huge grant from the federal government and by God they were going to use it. My guys went nuts about their privacy, etc. I told them "If you don't have anything to hide, you have nothing to fear." Might as well have some fun with them, I told them walk by the camera scratching your nuts or something. Turns out, the camera saved one our gals her job. She was involved with an altercation with another female while cleaning buses at night. It has long been company policy that without a witness both people involved in fight get discharged. There were no witnesses that late night except the camera, which upon review showed the women involved in an argument and the one throwing a punch knocking my gal down. The punch thrower got discharged, the gal I defended had her job restored with back pay to the time she was pulled out of service.
Security cameras are everywhere, anyone that doesn't want to give out their information out of fear they would be suddenly on a screen somewhere can relax, if you go into the downtown of this city you are on camera, if you enjoy cellular service somewhere...you are being watched.
My cousin worked for the government after her retirement from the Air Force, she was in satellite communications from the very beginning. She told me that in the old days they thought it was neat that they could predict the future Russian wheat harvest by counting the grains of wheat in a square yard of a wheat field, that was back in the 70's. Now they are capable of facial recognition, all the information on your car including when it recieved its last oil change, if you have a cellphone, forget about it. Don't run out and put your tin hats on...but the future is now.
 
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