Insurance Apps

[Hammered]

A simple Google search would say otherwise. There's multiple attorneys who warn against this type of insurance due to denial of claims based on the data.

Data retention of 90 days doesn't matter when you're in an accident 5 minutes ago.

If you have fine print from a policy specifically stating they won't use it against you in a claim please post a picture, otherwise no way in buying that they won't use that data.

You're misunderstanding -- it's got zero to do with 90 day data retention.

You enroll in the program, then once it's setup which takes about a week and an on-screen notification where you enable information sharing, your 90 day window begins. At the end of 90 days, the data collection ENDS, and notifies you on-screen that information sharing has ceased and you can verify that insurance data sharing is disabled. That's it. There's a 90 day observation period and it's over. It's not ongoing and only stored for 90 days. It's simply to establish a baseline on vehicle operation and location. Funny enough 2 of my 3 vehicles aren't actually kept at the billing address overnight and it wasn't even a point of issue.

As for the vehicle "black box" data, well if you look into your insurance's policy details they've got legal access to pull it, as does your state. You can pretend that's not a point of contention but it is. If something occurs that's potentially a vehicle induced accident, you can bet ALL of that data will be a core component of the case.

There was just a recent case that showed things like vehicle position, gear selection, door and seatbelt status, etc...
https://www.live5news.com/2023/02/08/prosecutors-use-suv-data-add-timeline-murdaugh-trial/

I followed parts of that case and while that article doesn't go into detail, if you watch the trial regarding those variables they were all used. Modern vehicles track every variable the computer can see, and it's subject to subpoena in its entirety to draw whatever conclusions they want about it. So pretend it doesn't exist and pay more for insurance, or officially share it for 90 days and enjoy whatever discount you're able to extract out of it by gaming the 90 day window as I did.

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[d^2x/dt^2]

A simple Google search would say otherwise. There's multiple attorneys who warn against this type of insurance due to denial of claims based on the data.

Data retention of 90 days doesn't matter when you're in an accident 5 minutes ago.

If you have fine print from a policy specifically stating they won't use it against you in a claim please post a picture, otherwise no way in buying that they won't use that data.

I was really only seeking more information on the deceleration curve of the MME in various modes, but I understand your opinion on this matter. I can google search my way into just about any position I might want to take and just as easily argue the opposite with more google searching. There isn't really much wisdom on the internet in my experience, but there is some good data from time to time.

If one's driving history suggests they are an unsafe driver, I'd say they should avoid any app that tracks that history. Though if the claim is big enough, I suspect it is all in our MME's computer and can be obtained through discovery if it comes to that. I also like to use google maps and I suspect it has much the same information.

For the most part, despite liking to get up to speed in a hurry, I don't feel my history suggests I'm a reckless driver. Your mileage may vary as they say.

 

[d^2x/dt^2]

Hard braking and acceleration events trigger at 7.7mph/s delta. Even in a GTPE, 1pd unbridled didn't come close to triggering it. The max braking I see in unbridle on the PE is 5.5mph/s.

I'm still curious as to where you got these specific numbers? Is it published somewhere or can you find it in the app? Thank you.

 

[Hammered]

I'm still curious as to where you got these specific numbers? Is it published somewhere or can you find it in the app? Thank you.

I questioned them at length regarding the variables and they openly share it in the program as you're able to see a detailed travel log of every trip you make during that time. When / where you went, and the 'infractions' that occur.

 

[Hammered]

It gives you summaries by day / week / or month. This is for instance one of the vehicles during the last 20 days by month view..

Here's leaving a gas station crossing multiple lanes during rush hour... 3 seconds of "hard" acceleration

Each one of these is clickable displaying a trip map

 

[DevSecOps]

You enroll in the program, then once it's setup which takes about a week and an on-screen notification where you enable information sharing, your 90 day window begins.

90 Days is just with Liberty Mutual. State Farm is 6 months each year, Allstate is 60 days then again every 6 months, Progressive is 1 month every 6 months.

As for the vehicle "black box" data, well if you look into your insurance's policy details they've got legal access to pull it, as does your state.

This is basically proving my point. Insurance companies will do everything they can to deny a claim. If it's a fatal or criminal accident then yes they will request vehicle telemetry as will law enforcement. They don't do this for minor or non-injury accidents, unless of course you provide that data to them. If you think the insurance company wants to be your friend and lower your rate because they are nice, well I have news for you.

Maybe we should also go back to physicals and medical record requests for health insurance?? That would save me a bunch!

Anyway, if you enjoy providing that information to your insurance agency have at it. I'm in the business of protecting data, and I just don't see a good reason for them to collect how and where you drive, ever.

 

[Hammered]

90 Days is just with Liberty Mutual. State Farm is 6 months each year, Allstate is 60 days then again every 6 months, Progressive is 1 month every 6 months.

This is basically proving my point. Insurance companies will do everything they can to deny a claim. If it's a fatal or criminal accident then yes they will request vehicle telemetry as will law enforcement. They don't do this for minor or non-injury accidents, unless of course you provide that data to them. If you think the insurance company wants to be your friend and lower your rate because they are nice, well I have news for you.

Maybe we should also go back to physicals and medical record requests for health insurance?? That would save me a bunch!

Anyway, if you enjoy providing that information to your insurance agency have at it. I'm in the business of protecting data, and I just don't see a good reason for them to collect how and where you drive, ever.

Ford insure is a one time window on the policy and that's it. Sure other companies do different things and this may come as shock to some, you can choose to not use them. As for what this does is that it allows them through whatever metrics they operate under to better understand the risk at hand. I have several vehicles so it was easy for me to spread driving around as I saw fit, and with the live feedback via their website I was able to maximize my benefit under their structure. I spent 2 hours on the phone questioning them in regards to the variables. I then analyzed what it took to stay within their parameters which is quite easy since the website has each vehicle's stats readily at hand. In the end I win.

Since there is live feedback available on the website and I knew the monitored conditions, I could swing them into my favor by deciding to visit family, shift a run to the store into hours where traffic and idle times were moved into my favor. At the same time I could still drive in a spirited manner across different vehicles as each vehicle's variables / points were unique to it and not run as cumulative. Their 'night driving' is 12a-5a and I'd just spread around that driving. At times I was motivated to shift times ever so slightly to minimize when needed.

Now because of 90 days of simple planning I'm keeping $600 in my pocket per year. Hands down the easiest money saving experiment I did (not counting the additional $ saved by ditching statefarm -- a company that 'rewarded' me and my claim-free record by needlessly high premiums). I've now got substantially better coverage at about half the cost.

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