: Drive safe - get an insurance discount



Submariner409
06-30-13, 01:22 PM
Who has received a notice from their car insurance company offering a "Drive Safe" discount ???

The way the program works is that you authorize the insurance company to use your OnStar or equivalent onboard system to monitor your location, speed, turns, stops - every part of your daily drive. Then, if you fit their definition of "Drive Safe" you get an insurance "discount" on your monthly, quarterly, or semiannual payments. This smacks of Big Brother intrusion by corporations.

BUT - suppose you hit the drag strip, the local racetrack for a 120 mph fun afternoon, or drive (with the flow) at 85 on I-95 on your way to Florida. Wanna bet your rates would go up - and the information gets fed to your state MVA ?? :cool2:

talismandave
06-30-13, 01:27 PM
Lot's of companies are offering that now. I bet someday it won't be an option but a requirement to get insurance.:suspect:

orconn
06-30-13, 01:34 PM
It seems that all the convenience that comes with the advances in technology that we all enjoy comes with a price .... a serious infringement on our privacy (voluntarily surrendered) and an increasing loss of freedom.

Hoosier Daddy
06-30-13, 01:44 PM
I'm going to get rich selling black boxes that divide all the speed and G values that get recorded by 2.

cadillac kevin
06-30-13, 02:48 PM
I'm going to get rich selling black boxes that divide all the speed and G values that get recorded by 2.

I'd take one....if my cars were new enough for a box that plugged into the computer.

Ranger
06-30-13, 03:18 PM
Got an IPASS, EZPASS, etc? They "can" track your (average) speed on the toll road with that as well (if they want to).

Apparently George Orwell wasn't writing "just" fiction and wasn't all that far off on his timing.

Kad4Life
06-30-13, 06:41 PM
What has happened in the last twenty years with government/corporate intrusion into our daily lives is more than disconcerting .
They have won, hands down; there will be no going back .

drewsdeville
06-30-13, 07:13 PM
It's what we've continuously voted for, every single time, yet everyone's always complaining about it :thepan:. Our government is comprised of born and raised Americans, brought up in American homes, educated in American schools, shaped by American society. It's what we produce. Now we are in over our heads, and we're still pointing fingers at everyone else but ourselves.

Us poor Americans - victims of our own government for over 200 years. We have it so bad.

lolz.

Our problems are far deeper, and far more complex than "the government".

Hoosier Daddy
06-30-13, 07:48 PM
What has happened in the last twenty years with government/corporate intrusion into our daily lives is more than disconcerting .
They have won, hands down; there will be no going back .
But on the plus side, a hard drive with all my home movies on it recently crashed and I was able to recover all of them via FOIA requests.

77CDV
07-01-13, 12:52 AM
Welcome to our brave new world.

Kingoftypos
07-01-13, 04:40 AM
I'd take one....if my cars were new enough for a box that plugged into the computer.

From what I heard, GM has been installing black boxes that records some stuff since the early 80's. Of course it probably had more sensors going to it now.

KOT

drewsdeville
07-01-13, 08:27 AM
BUT - suppose you hit the drag strip, the local racetrack for a 120 mph fun afternoon, or drive (with the flow) at 85 on I-95 on your way to Florida. Wanna bet your rates would go up - and the information gets fed to your state MVA ?? :cool2:On a side note, you aren't covered by your insurer while on a race track. You wipe out and hit the wall halfway down the strip, that's your problem. As for the 85 mph to FL....all you are saying is that those who break the rules are the only ones inconvenienced. In that case, I'd have to say the program works correctly then. Those driving 85mph down a public road are higher risk drivers than those who don't, and should pay accordingly.

thebigjimsho
07-01-13, 09:30 AM
On a side note, you aren't covered by your insurer while on a race track. You wipe out and hit the wall halfway down the strip, that's your problem. As for the 85 mph to FL....all you are saying is that those who break the rules are the only ones inconvenienced. In that case, I'd have to say the program works correctly then. Those driving 85mph down a public road are higher risk drivers than those who don't, and should pay accordingly.

Wrong.

My old insurer on the '04 V would cover certain things. Hit a wall on a non-timed event(such as Tim in the R8 at VIR) and you're covered. Hit another car and you're not. Hit anything on a timed event and you're not.

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From what I heard, GM has been installing black boxes that records some stuff since the early 80's. Of course it probably had more sensors going to it now.

KOT

Every car today has a black box. Any car that gets in an accident can have its most recent data recorded...

Hoosier Daddy
07-01-13, 11:42 AM
My old insurer on the '04 V would cover certain things. Hit a wall on a non-timed event(such as Tim in the R8 at VIR) and you're covered. Hit another car and you're not. Hit anything on a timed event and you're not.
That was true years a go with most policies, but I believe the insurance companies have closed that loop hole because unofficial timing, including by participants, was so rampant. If yours still covers accidents on race tracks, please post the wording and the name of the company for anyone who might want to switch.

Jesda
07-01-13, 12:30 PM
It's what we've continuously voted for, every single time, yet everyone's always complaining about it :thepan:. Our government is comprised of born and raised Americans, brought up in American homes, educated in American schools, shaped by American society. It's what we produce. Now we are in over our heads, and we're still pointing fingers at everyone else but ourselves.

Us poor Americans - victims of our own government for over 200 years. We have it so bad.

lolz.

Our problems are far deeper, and far more complex than "the government".

Well of course, but if you want to talk about the decline of civilized culture then make a new thread. That's like telling us traffic isn't the problem; it's economic development causing people to go to work every day.

Government is a symptom over which we have mild, if mostly perceived, influence as voters, thus the topic.

thebigjimsho
07-01-13, 03:52 PM
That was true years a go with most policies, but I believe the insurance companies have closed that loop hole because unofficial timing, including by participants, was so rampant. If yours still covers accidents on race tracks, please post the wording and the name of the company for anyone who might want to switch.

This was up to '09 with Commerce Insurance in MA...

orconn
07-01-13, 04:24 PM
On a side note, you aren't covered by your insurer while on a race track. You wipe out and hit the wall halfway down the strip, that's your problem. As for the 85 mph to FL....all you are saying is that those who break the rules are the only ones inconvenienced. In that case, I'd have to say the program works correctly then. Those driving 85mph down a public road are higher risk drivers than those who don't, and should pay accordingly.

Obviously you haven't driven Interstate 95 as it passes through Virginia! While they may all be "legal transgressors," almost every cruising up or down US 95 on their way to other places is tooling along at over 80 mph (speed limit is 65). The traffic is often so thick, and moving at those speeds, VA State Police take a pass on those cars travelling in clusters (not to mention tail gating) and only occasionally go after those exceeding 80 mph. Virginia doesn't have enough troopers to really tap this wonderful source of revenue. But when you are ticketed at over 80 mph it is an automatic reckless driving citation and a misdemeanor count.

S yes 90% of the users of Interstate 95 are scofflaws .... most have no business driving their under maintained, antiquated cars and trucks (pickups in particular) at these speeds. Guess most of them are too old to have black boxes!

thebigjimsho
07-01-13, 04:47 PM
Sure, because me traveling at 85mph in the left lane where I'm not fighting with trucks, merging with cars entering, worrying about cars slowing down to exit and my focus only needing 180 degrees of coverage is so dangerous.

Much more dangerous than the typical 55mph driver who doesn't know they have the right of way when a car enters, who hits their brakes at the sight of a squirrel in the breakdown lane or a truck hitting the brakes 1/2 mile ahead, who has zero car control in emergencies, nevermind needing focus with 360 degrees of coverage. But hey, they never go over the speed limit, so they're safer.

Nevermind that I can do things at 85 in my old V that I can only do as safely in the Town Car at 55.

Ridiculousness.

CadillacLuke24
07-01-13, 06:26 PM
I think I will pass. After USAA got word of repeated rapid accelerations on state Highways and Interstate onramps, not to mention excessive vehicle overspeed from time to time, and remembering excessive driving generally considered unsafe for a certain NARROW two lane road, my rates would skyrocket!

drewsdeville
07-01-13, 06:30 PM
Wrong.

My old insurer on the '04 V would cover certain things. Hit a wall on a non-timed event(such as Tim in the R8 at VIR) and you're covered. Hit another car and you're not. Hit anything on a timed event and you're not.

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Every car today has a black box. Any car that gets in an accident can have its most recent data recorded...

When was that, 10 years ago before that loophole hit the media and was essentially universally closed? That's ok, I'll play along - Anything on "the strip" is a timed event, sir. The whole thing doesn't really function correctly when it's not - unless you know of a group of people that like to drive specific length short straight line distances for the hell of it - and I'm pretty sure I don't know anyone that's carried insurance that will cover it, outside of incredibly expensive specialized insurers who might not even cover you in the staging lanes and aren't offering a "black box" anyway. If you know of a provider that will cover me at Great Lakes this weekend, driving the public roads to the track with a black box, running the track, and driving home, all covered, let me know.

Perhaps I made the mistake of not including those events that the kiddies set up in the parking lot or someone lollygagging around on an "open track" weekend.

thebigjimsho
07-01-13, 11:00 PM
When was that, 10 years ago before that loophole hit the media and was essentially universally closed? That's ok, I'll play along - Anything on "the strip" is a timed event, sir. The whole thing doesn't really function correctly when it's not - unless you know of a group of people that like to drive specific length short straight line distances for the hell of it - and I'm pretty sure I don't know anyone that's carried insurance that will cover it, outside of incredibly expensive specialized insurers who might not even cover you in the staging lanes and aren't offering a "black box" anyway. If you know of a provider that will cover me at Great Lakes this weekend, driving the public roads to the track with a black box, running the track, and driving home, all covered, let me know.

Perhaps I made the mistake of not including those events that the kiddies set up in the parking lot or someone lollygagging around on an "open track" weekend.

This was up to the end of '09, when I got a different policy for the V2.

At Brainerd, last year, we had a track day on the short course. This allowed us to run the drag strip, untimed. Flag drops, eyes at the finish. While most don't care for that, or was a unique occurrence and not a timed event.

As for my policy, it clearly stated that being in a timed event was not covered. Hit another car at any track event - not covered. If it were not toned and you hit something that wasn't a car, you were as covered as any other incident...

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And I would expect you to be lollygagging everywhere in your cute little econobox at 55.