Will You Let Your Car Insurance Company Spy On You?

Page 3 of Just recently got a letter from my car insurance company giving me the option to sign up for a way to "possibly lower my rates". By signing u... 78 comments | 1592 Views | Go to page 1 →

  1. #31
    theguru's Avatar
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    Quote Originally Posted by TheDeuce View Post
    My rate is lower. How is it not benefiting me in the long run?
    Fruit of the Poisonous Tree.
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  2. #32
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    Quote Originally Posted by theguru View Post
    Fruit of the Poisonous Tree.
    Please elaborate.

  3. #33
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    Quote Originally Posted by TheDeuce View Post
    Please elaborate.
    Fruit of the poisonous tree is a legal metaphor in the United States used to describe evidence that is obtained illegally. The logic of the terminology is that if the source (the "tree") of the evidence or evidence itself is tainted, then anything gained (the "fruit") from it is tainted as well.

  4. #34
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    Well, it isn't obtained illegally, so...

  5. #35
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    Quote Originally Posted by Watusi View Post
    Well, it isn't obtained illegally, so...
    If that is the way you want to play it okay...

  6. #36
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    Quote Originally Posted by theguru View Post
    Fruit of the poisonous tree is a legal metaphor in the United States used to describe evidence that is obtained illegally. The logic of the terminology is that if the source (the "tree") of the evidence or evidence itself is tainted, then anything gained (the "fruit") from it is tainted as well.
    Quote Originally Posted by theguru View Post
    If that is the way you want to play it okay...
    I'm not about to sign up for the program, but what exactly are you afraid they're going to get a hold of? And give me specifics, not generalities and metaphors....

  7. #37
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    Quote Originally Posted by UKMustangFan View Post
    I'm not about to sign up for the program, but what exactly are you afraid they're going to get a hold of? And give me specifics, not generalities and metaphors....
    Data which they will use to save the Insurance Company money.

    Maybe a Trojan Horse is a better Metaphor.

    Think of it this way, essentially you are putting a lawyer for the Insurance Company in your car with you and that lawyer has one goal and one goal only, to save the Insurance Company money any way possible.

    That may be in your best interests sometimes but ultimately it is always in the Insurance Company's best interests.

  8. #38
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    So in other words, you can't come up with specifics....Figured.

  9. #39
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    Quote Originally Posted by UKMustangFan View Post
    So in other words, you can't come up with specifics....Figured.
    Like I said, data.

  10. #40
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    When you install a tracking device in your car, it taps into the car’s computer to capture and store data. What data, you may ask? Well, whatever data your insurance company deems relevant to determining whether or not you’re a safe driver. This data is sent back to your insurance company and, if they like what they see, they’ll reduce your premiums or give you credits on your account.

    Some insurance companies disclose what their devices track, but others don’t, and it’s up to customers to decide whether or not those terms are acceptable to them. To be clear, an OBD-II-based tracker is capable of finding, storing, and transmitting any bit of data in the car’s computer. You should carefully consider how much you trust your insurance company.

    Insurance companies are mostly interested in data that paints a picture of a driver’s habits, which helps the company figure out if the driver is likely to cost them money in claims. Commonly-cited types of data include when the car was used, distance driven, and time spent driving. They also want to know how fast a driver typically drives and how often the driver brakes hard, both of which are indicators that the driver takes risks and doesn’t pay attention. Finally, and perhaps most controversially, the devices can track a car’s location.

    Finally, some customers say it may only be a matter of time before insurance companies require these devices, rather than simply encourage them. When that fine line of privacy is completely eroded, insurance companies’ profits will soar while their customers are constantly monitored. If insurance companies get to the point of developing a new business model based on totally customized insurance rates, it might actually be a relief when autopilot technology becomes the norm.

    US News and World Report

  11. #41
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    The tracking device State Farm uses doesn't tap into the car computer at all. It is a separate device that has no connectivity to the car itself.

    What it does connect to may be worse. It uses your phone, via bluetooth, and transmits the data through their proprietary app.

  12. #42
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    Quote Originally Posted by theguru View Post
    If that is the way you want to play it okay...
    Haha, I'm not the one who used an incorrect metaphor, so I am not playing it any way. The tree here isn't poisonous because the information wasn't obtained in an illegal fashion.


    You are right, though, Trojan Horse would be a much better metaphor. I agree with that one.

  13. #43
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    Quote Originally Posted by UKMustangFan View Post
    I'm not about to sign up for the program, but what exactly are you afraid they're going to get a hold of? And give me specifics, not generalities and metaphors....
    Do you drive to bars? How many times do you go to a bar? Could be a risk customer.

    Do you drive over the speed limit? Risk.

    Do you drive regularly on roads with statistically more accidents? Risk.

    It's whatever way they want to manipulate their data.

  14. #44
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    "According to Progressive, the device records your vehicle identification number (VIN), how many miles you drive each day and how often you drive between between midnight and 4 a.m. While it doesn't record your speed, it does make note when you slam on the brakes."

    https://www.google.com/amp/s/www.consumeraffairs.com/amp/news/what-you-should-know-before-trying-progressives-snapshot-062713.html

  15. #45
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    Quote Originally Posted by lawildcat View Post
    Do you drive to bars? How many times do you go to a bar? Could be a risk customer.

    Do you drive over the speed limit? Risk.

    Do you drive regularly on roads with statistically more accidents? Risk.

    It's whatever way they want to manipulate their data.
    I think an argument can be made that they have every right to know that information. They're the ones assuming the risk after all.

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