Daily Driver insurance question

[David Williamson]

I am renewing insurance on the daily drivers and the company has a discount if you use a system that monitors how you drive. Anyone else doing this and how has it been? Most of the time I think I will fit into the driving style they want except I normally push the speed on the highway a little and there are times the corner speeds go into the "fun" level.
David W

[Jeff Kleiner]

Just had this conversation while at dinner with some friends last night whose insurance company tried to get them to go for this. He and she both gave it a hard "hell no!" They figured that a day's worth of monitoring them would result in immediate cancellation! Having ridden with them both I agree 100% :)

Jeff

[john42]

The idea of a corporation collecting yet more data on me is a 1000% bad plan. Absolutely not.

Also, imagine all the little data points that they could use to deny an insurance claim. You may think you are in the right but just watch how wrong the insurance companies lawyers think you are and being this isn't a "court", you will have to prove your innocence to the insurance company and do battle with their lawyers. Paying a few cents more so they cannot collect data on me.. So be it. fine. Someday it will be a requirement in new vehicles to have this type of tracking. I'll love my Cobra even more when that day comes.

[JeffP]

We took a hard pass on this as well. My fear is this is one of those data points that gets thrown in your "CLUE" database (Insurance's version of credit report if you're unaware it exists) and while your current insurance company may claim "no negative action" would result from allowing them to use it... if its results get attached to your name whats to say the next time you decide to shop insurance it doesn't bite you in the butt. I'll take off my tin hat now, but just how I feel about those.

[ggunter]

Do you really want your insurance company sitting in your passenger seat? Isn't the reason we have and drive these cars is to have a little fun driving? I see those ads on tv and just laugh. 99.5% of the time I drive like miss daisy, but sometimes Miss Daisy gets a little crazy.

[JimLev]

Hell no!

[GoDadGo]

Just understand that most new cars, if not all new cars, have Black Box Technology on them too.
GM's OnStar system is already tracking many folks today and have for years.
Are We Having Fun Yet Comrades?

[Jim1855]

A friend did this. From his comments it was restrictive. Anything over a crawl in acceleration or any moderately hard braking sent up a flag.

From what I could tell if you considered a full cup of coffee in the holder, any activity that spilt a drop would be noteworthy. Would be great fun to have it and do a track day.

No thanks, I'd be arrested right out of the box.

Jim

[john42]

A friend did this. From his comments it was restrictive. Anything over a crawl in acceleration or any moderately hard braking sent up a flag.

From what I could tell if you considered a full cup of coffee in the holder, any activity that spilt a drop would be noteworthy. Would be great fun to have it and do a track day.

No thanks, I'd be arrested right out of the box.

Jim

If I were ever forced to have one of these in my car, I would 100% only take it with me on SCCA/Solo events. :-)

[David Williamson]

I think we are all on the same page on this one like I expected. I bet they don't like you to disconnect it when you plan to have a little fun.
David W

[Skuzzy]

Data gathering in a car is a double-edge sword which can work for you or against you. I just feel like it is yet another intrusion into my privacy. It is getting to the point where no one has any privacy and everything we do is being recorded and studied.

Not a fan of the direction this is all going.

[RoadRacer]

I mean, I can't stress a HELL NO too much :D

nope nope nope

[Mastertech5]

A couple of states are trying to pass bills there to outlaw the use of those things.
FWIW: ABS modules record data points for 90 seconds and keep over writing the data. When an accident occurs the data can be downloaded by an "authority" if they wish. It records mph and brakes applied info for the previous time period. Told to me by a GM training school instructor in a class many years ago.

[Sarcasticshrub]

I have two different trackers on vehicles at work. One for the insurance company, and the other for mileage tracking (for billing purposes).

Computers in cars track everything and have for years. All the insurance company has to do is plug into it and pull the data already being supplied by the car. Speed, how fast one accelerates or brakes, hard turns, and even excess idling are tracked. GPS coordinates are there as well. What road you were on when you hit the gas a bit too spirited and what the speed limit is on that road are all known. I can even pull a complete map with all of that data printed out showing exactly where the car was and more. On my personal car? Not a chance.

[Alan_C]

Yeah, I am in the hard no camp too.
I recently bought a 2018 Accord and noted in the owner's manual that it does have black box tech. However, it was said that the owner had the right to not make the recorded data available to insurance or law enforcement. However, one can only imagine that all it would take is a court order to overrule the vehicle owner. Other than that, I love the tech my 17 year old car it replaced did not have. Like always, to gain you seem to have to give up something.

[Jetfuel]

Just get it and put the tracking device in grandma’s car…

Jet

[Windsor]

Just get it and put the tracking device in grandma’s car…

Unless your grandmother drove like mine did. holy cow.

[Blitzboy54]

I drive like an old lady when I’m not in the Cobra. I accepted it because it came with a huge discount. So far it’s been fine. When I take the roadster out I shut off the apps location services or tag the trip as not being the driver.

[john42]

I drive like an old lady when I’m not in the Cobra. I accepted it because it came with a huge discount. So far it’s been fine. When I take the roadster out I shut off the apps location services or tag the trip as not being the driver.

I would never... even if I drove like a perfect saint. Giving up your rights not to be monitored is a slippery slope. Once you give the rights away, you won't be able to get them back.

[kgkeys]

Anybody seen this?

"The car of the future? Ford applies for patent on car that can automatically repossess itself"
https://www.cnn.com/2023/03/03/business/ford-repossessing-car-patent/index.html


Then there is the issue of what to do if there’s a medical emergency. In a situation like this, according to Ford’s application, the car could be enabled to drive itself to the nearest emergency room or even to coordinate with emergency medical personnel to rendezvous at a location. The car would then go back to locking out its owner.

That's a HARD HELL NO! I like my current truck's level of communication ('15 F-150). It pairs to my phone and can call 911 in an emergency, but I can disable any "phone home" technology by simply turning Bluetooth off on my phone...

Kyle

[R. Button]

My engine is all mechanical - no computers so nothing to hook it too!! :D
BUT our new car is filled with monitors!