Now the insurance companies are connecting

 

It seems at lest one progressive insurance company wants to connect to your car so it can adjust its rates based on your driving.

Quote:

Progressive launches new insurance telematics program as Strategy Analytics predicts connected telematics revenues to triple

Auto insurance provider Progressive launched a new telematics program, Progressive Snapshot Discount. The program employs a telematics device that plugs into the on-board diagnostic port of a policyholder’s car and delivers driving data wirelessly to Progressive. The amount the car is driven, how fast, and other variables determine the driver’s insurance rate. Progressive was one of the first auto insurers to experiment with telematics. Its first telematics initiative, TripSense, gave way to MyRate, which in turn has led to Progressive Snapshot Discount. The new program is available in more than a dozen states, including South Dakota, Ohio, Wisconsin, and Iowa.

http://social.telematicsupdate.com/weekly-brief/progressive-...

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Big Brother is Watching

This may give you lower rates right now but if it works it won't be long until it is mandatory for everyone dictated by the government. If it reduces accidents how could you be against that!!!

Sure...

Box Car wrote:

It seems at lest one progressive insurance company wants to connect to your car so it can adjust its rates based on your driving.

Quote:

Progressive launches new insurance telematics program as Strategy Analytics predicts connected telematics revenues to triple

Auto insurance provider Progressive launched a new telematics program, Progressive Snapshot Discount. The program employs a telematics device that plugs into the on-board diagnostic port of a policyholder’s car and delivers driving data wirelessly to Progressive. The amount the car is driven, how fast, and other variables determine the driver’s insurance rate. Progressive was one of the first auto insurers to experiment with telematics. Its first telematics initiative, TripSense, gave way to MyRate, which in turn has led to Progressive Snapshot Discount. The new program is available in more than a dozen states, including South Dakota, Ohio, Wisconsin, and Iowa.

http://social.telematicsupdate.com/weekly-brief/progressive-...

Isn't this the OBDIII proposal that California said they weren't doing? Remember reading it somewhere in a car forum.
My take on this. Insurance company: voluntary installation of the device will give you great discounts! years later... let's make this mandatory so everyone benefits with better rates from safe driving. Some more years later: since most cars have OBD3 now, let's hike the rates back to where they were and charge more to people with older "non-compliant" vehicles (OBD2).

OBD3 is also supposed to report to the DMV/cops the moment your car needs service of any kind, specially engine codes.

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Garmin nuvi 1300LM with 4GB SD card Garmin nuvi 200W with 4GB SD card Garmin nuvi 260W with 4GB SD card r.i.p.

Trouble....

Sure married the ODB3 and Gps then they can ticket you for speeding without any cameras, officers, etc. all for the Safety of us all.....

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Garmin Nüvi 650, 255WT

Big Brother

Sounds more like big brother BS to me. I just have an aversion to the government, a company, or anyone else spying on me. What's next, your health insurance company sending someone out every once in awhile to inventory your cupboard and refrigerator to make sure you're eating healthy?

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Anytime you have a 50-50 chance of getting something right, there's a 90% probability you'll get it wrong.

Hey!!!

Don B wrote:

Sounds more like big brother BS to me.

Do you want to put Flo in the unemployment lines?

I just wonder how they'll write that commercial.

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Illiterate? Write for free help.

Already making sure you are healthy

Don B wrote:

Sounds more like big brother BS to me. I just have an aversion to the government, a company, or anyone else spying on me. What's next, your health insurance company sending someone out every once in awhile to inventory your cupboard and refrigerator to make sure you're eating healthy?

Remember the tax on sweets?
http://blog.oregonlive.com/nwheadlines/2010/05/poll_washingt...

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Nuvi 2460LMT.

This cannot be good...

This cannot be good...

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My Toys: MacBook Pro Unibody, Nuvi 2589

taxing sweets

pwohlrab wrote:

Remember the tax on sweets?
http://blog.oregonlive.com/nwheadlines/2010/. . .

Tennessee is doing that now, in a way. TN has a lower sales tax rate on groceries than on non-groceries. Candy is categorized as grocery or non-grocery according to its ingredients. It contains flour? Grocery! It has just sugar and chocolate? Non-grocery! It is a little more complicated than that, but it is being done NOW.

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Bobbo, Linda, and the furry kid

I Agree!

Don B wrote:

Sounds more like big brother BS to me. I just have an aversion to the government, a company, or anyone else spying on me.

How soon will it be when say a divorce lawyer can access that database to prove you were at a strip club instead of the library you said you were at ??

Or, the data base kicks out that your car was in the vicinity when a bank was being robbed?

Ron

Big Brother

Big Brother is watching

and just remember...

Save a few bucks now...Pay dearly later...All that info can be used against you and in most cases will at the worst possible time.

Indeed.

Frside007 wrote:

Save a few bucks now...Pay dearly later...All that info can be used against you and in most cases will at the worst possible time.

Cars can already "tell" a lot to he police, etc. in case of an accident. It is like an airplane's black box. They don't need more information, they have plenty already. OBD3 is intrusive and the realized dream of big brother. I'll keep fixing my old cars the day all you can buy are cars with these "big brother inside" computers.

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Garmin nuvi 1300LM with 4GB SD card Garmin nuvi 200W with 4GB SD card Garmin nuvi 260W with 4GB SD card r.i.p.

How much does the average

How much does the average person save

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Mike

Not Just Watching

Steve620 wrote:

Big Brother is watching

and recording and logging and...

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Tampa, FL - Garmin nüvi 660 (Software Ver 4.90), 2019.30 CN NA NT maps | Magellan Meridian Gold

Mail

DRMCMTR wrote:

Sure married the ODB3 and Gps then they can ticket you for speeding without any cameras, officers, etc. all for the Safety of us all.....

Mailmen are going to be busy delivering tickets when the computer decides to send data every time you exceed the speed limit, even by 1mph mrgreen

Also, you'll have to keep your car in top shape or it will "tell on you".

Cops: "Sir, we stopped you because your car just reported that you are due a wheel alignment and you just can't drive in those conditions. Here is a ticket. There is an authorized DMV auto shop half a mile down the road where you can get it done and also get a new inspection sticker, as we are voiding this one." (Scratches it off the windshield) mrgreen

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Garmin nuvi 1300LM with 4GB SD card Garmin nuvi 200W with 4GB SD card Garmin nuvi 260W with 4GB SD card r.i.p.

.

motcoach wrote:

How much does the average person save

My bet is, it will cost the average person, not save them.

Over the speed limit, hard acceleration, or hard braking? Your rates will double, or triple. Count on it.

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nüvi 3790T | nüvi 775T | Those who make peaceful revolution impossible, will make violent revolution inevitable ~ JFK

On another...

Gary A wrote:
Steve620 wrote:

Big Brother is watching

and recording and logging and...

On another quasi-related note... my town here in Wingdale, NY started issuing fines to hundreds of people who placed pools without permits. Funny no one has seen any inspectors. A friend in the town board told me they only have one now (budget cuts) but the dude is sitting in front of a computer all day checking out google earth and finding violations from the pictures there. Big brother is really watching razz

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Garmin nuvi 1300LM with 4GB SD card Garmin nuvi 200W with 4GB SD card Garmin nuvi 260W with 4GB SD card r.i.p.

My guess is there is a big difference...

OBD3 holds how much data versus a unit in your car that constantly sends data to a remote site that can hold information on you for years or decades? Without clear safegards this can only turn out to be bad news except in a few cases. Let's say you get sued for something and they can somehow look at your driving for the last 10 years. My guess is anyone can be made to look bad if enough time passes and enough information can be collected.

Being a Ford tech

Thanos_of_MW wrote:
DRMCMTR wrote:

Sure married the ODB3 and Gps then they can ticket you for speeding without any cameras, officers, etc. all for the Safety of us all.....

Mailmen are going to be busy delivering tickets when the computer decides to send data every time you exceed the speed limit, even by 1mph mrgreen

Also, you'll have to keep your car in top shape or it will "tell on you".

Cops: "Sir, we stopped you because your car just reported that you are due a wheel alignment and you just can't drive in those conditions. Here is a ticket. There is an authorized DMV auto shop half a mile down the road where you can get it done and also get a new inspection sticker, as we are voiding this one." (Scratches it off the windshield) mrgreen [/quote

First of all I have not heard of OBD III ( and I've been in this trade since I was 18 now 53 ) until this poste so I googled it and this site popped up
http://asashop.org/autoinc/may/obd_iii_new.cfm

I know there is some data that can be retrieved in an accident from the ABS, PCM and Air bag modules, but we are still OBDII in Canada and at least 49 States.

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All the worlds indeed a stage and we are merely players. Rush

OBD111? Don't look for it too soon, in the near future.

Several issues surround the OBD III concept. From a regulatory perspective, all of the technologies used, other than roadside technology, require a Federal Communications Commission (FCC) license. The possibility of interference with other signals in the same band is of concern. The issues of commercial operators, law enforcement, jurisdiction among state agencies, Intelligent Vehicle Highway Systems, etc., have to be addressed before OBD III is a reality.

Read More:
http://asashop.org/autoinc/may/obd_iii_new.cfm

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Using Android Based GPS.The above post and my sig reflects my own opinions, expressed for the purpose of informing or inspiring, not commanding. Naturally, you are free to reject or embrace whatever you read.

The entry of this kind of

The entry of this kind of approach would probably come from it's use in monitoring those who have done some major high speed or other dangerous driving. "You can continue to drive (not lose your license) if you accept electronic monitoring." Soon the government would find excuses to propagate it to the full driving populace, with the words "it's going to keep you all safer."

Great world to look forward to!!!

Fred

Insurance companies connecting...

Mailmen delivering tickets?
Cops stopping people?
Naww, Why would the cops stop you for the ticket? They'll just debit your Paypal or bank account directly. You know... the account you used over the net to make your last purchase.
Hmm... I wonder if the rates will go up for the little old lady I passed doing 25mph on the Hwy?
I speed. No Thanks!

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PatrickMc

Not licensed

BobDee wrote:

Several issues surround the OBD III concept. From a regulatory perspective, all of the technologies used, other than roadside technology, require a Federal Communications Commission (FCC) license. The possibility of interference with other signals in the same band is of concern. The issues of commercial operators, law enforcement, jurisdiction among state agencies, Intelligent Vehicle Highway Systems, etc., have to be addressed before OBD III is a reality.

Read More:
http://asashop.org/autoinc/may/obd_iii_new.cfm

The equipment itself isn't licensed, it's type accepted which means it meets technical standards about the amount and type of signals radiated.

As to progress, Google P1609. That's the developmental standard designation for the communications. For existing rules. look at 47CFR90.371 and following.

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Big brother?

Of course, all of this type of monitoring will come eventually as "standard Equipment" on all vehicles.

Someone will "Hack" the system and be able to report the vehicle speed as lower than you are really doing. There are devices available already that you can purchase and install that will divide the digital pulses from the sensor for the speedometer by 1/2. The drawback on this is that the onboard computer for the Fuel Injection can get confused and cause problems, such as not shifting into a higher gear at the appropiate time. Best to get the device that goes between the computer and the speedometer.

The best way to keep your insurance rates low is to keep your credit score high. If you don't believe me, ask your insurance agent. The higher your score, the more responsible a person you are and "statistically" you are a safer driver.

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Metricman Nuvi 660, GTM-20 Traffic Receiver Nuvi 3597 GTM-60 Traffic Receiver Williamsburg, VA

You Never

motcoach wrote:

How much does the average person save

You never save. After the initial reduction It's always just a matter of time before they raise the rates back to where they were and then the increases start to come, remember this is not about saving lives, or saving someone money, this is about making money and making lots of it. That's what the insurance companies do.

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2597 Sometimes I wonder..."Why is that Frisbee getting bigger?"...and then, it hits me.

Bingo

thefastbird wrote:
motcoach wrote:

How much does the average person save

You never save. After the initial reduction It's always just a matter of time before they raise the rates back to where they were and then the increases start to come, remember this is not about saving lives, or saving someone money, this is about making money and making lots of it. That's what the insurance companies do.

I concur!

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Using Android Based GPS.The above post and my sig reflects my own opinions, expressed for the purpose of informing or inspiring, not commanding. Naturally, you are free to reject or embrace whatever you read.

Spying on you!

Don B wrote:

Sounds more like big brother BS to me. I just have an aversion to the government, a company, or anyone else spying on me. What's next, your health insurance company sending someone out every once in awhile to inventory your cupboard and refrigerator to make sure you're eating healthy?

Those "Discount Cards" that grocery, drug and many others issue allows them to track your purchases so no one ever needs to come out and check your cupboard. All they have to do is check the database!
Mark

Discount cards

baumback wrote:
Don B wrote:

Sounds more like big brother BS to me. I just have an aversion to the government, a company, or anyone else spying on me. What's next, your health insurance company sending someone out every once in awhile to inventory your cupboard and refrigerator to make sure you're eating healthy?

Those "Discount Cards" that grocery, drug and many others issue allows them to track your purchases so no one ever needs to come out and check your cupboard. All they have to do is check the database!
Mark

The only discount cards I use is Ace Hardware and Shopko, and I don't care who knows what I buy there.

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Anytime you have a 50-50 chance of getting something right, there's a 90% probability you'll get it wrong.

Anyone who thinks Big

Anyone who thinks Big Brother isn't watching, is sure fooling themselves.

Don't Give Em' Your Personal Info

baumback wrote:
Don B wrote:

Those "Discount Cards" that grocery, drug and many others issue allows them to track your purchases so no one ever needs to come out and check your cupboard. All they have to do is check the database!
Mark

That's why you only put in bogus information for those store discount cards.

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OK.....so where the heck am I?

speed?

Someone who drives in city traffic every day to work, versus someone who drives on an interstate could end up having higher rates because of the increased speed. Driving faster doesn't always mean being less safe (as long as its not above the speed limit).

Speed limits

jfulton wrote:

Someone who drives in city traffic every day to work, versus someone who drives on an interstate could end up having higher rates because of the increased speed. Driving faster doesn't always mean being less safe (as long as its not above the speed limit).

Some speed limits are "artificial" in nature and designed to make money. Where I live a couple of roads had their limits increased, as the people complained they were too low (from 30 to 40MPH on a local road / 55 to 65MPH for a highway) and another one got it lowered because of too many accidents (55 to 45MPH).

Other towns like to place low speed limits to collect money, since they know people won't keep those speeds. 10MPH... really?, one of my car's speedometer starts at 15 (analog needle). 40MPH in the middle of nowhere, straight road, no side streets/houses/driveways, when it was 55MPH right before that and after that? (1 mile stretch - speed trap?). Go figure...

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Garmin nuvi 1300LM with 4GB SD card Garmin nuvi 200W with 4GB SD card Garmin nuvi 260W with 4GB SD card r.i.p.

Walkin...

To quote good ol' Flo:

"And we're walkin' - we're walkin' ....."

Those companies have enough

Those companies have enough info already. When I read about some using credit reports to profile people, I thought that was bad enough. Add driving 'data' and ouch!

Insurance Companies Using Credit Reports

Progressive once raised my insurance rates and sent me a letter saying they were doing so because I had not financed a car in over 8 years. I could never get them to explain what that had to do with my driving. I guess paying cash for a car means you'll pay higher insurance rates. I, too, am against this type of data being transmitted to anyone. That old argument asking "if you're not doing anything wrong, why are you opposed?" doesn't get it for me. I have a problem with the so-called Patriot Act for the same reasons. I can't stand the thought of any government agency or private company sticking their nose that far into my business.

Definitions

Thanos_of_MW wrote:

Some speed limits are "artificial" in nature and designed to make money. Where I live a couple of roads had their limits increased, as the people complained they were too low (from 30 to 40MPH on a local road / 55 to 65MPH for a highway) and another one got it lowered because of too many accidents (55 to 45MPH).

I can not figure out your point (and I know I tend to be a little dense as some here have reminded me from time to time). You use the word "artificial" seemingly in a negative connotation but then give examples of changes that were justified by the circumstances. Increasing a speed limit does not seem to be a way to make money, indeed the opposite. Lowering a speed limit because there were too many accidents does not seem to have making money as its principal motivation.

I often wonder how those strange speed limits I see on two lane roads (like your example of 55 to 40 back to 55 in the middle of nowhere came about). While driving I sometimes speculate about them being a holdover from a time when there was a house there with small kids, one of hem got killed, and the town tried to avoid another tragedy but lowering the limit there.

10 MPH is something I have never seen, even in school zones. Wonder why that came about.

Have you ever been ticketed in one of those towns that place speed limits to collect money?

.

Just know since 911 that the government is watching and listening to all types of information, i think it is sad that i go to a dealer to buy new car, even though i PAY CASH, they still are required to check credit, (patriot) act , this act gives the government the ability to probe anything with and without due cause, so if you think that your everyday life isn't being watched,or listened into your sadly mistaken.
phone calls, emails, web surfing!!! are all suspect now!!!!

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Everyday is a GREAT day :)

Would you rather that they did not

werskine wrote:

Just know since 911 that the government is watching and listening to all types of information,

Would you rather that they did not and, if so, what is your alternative for keeping us secure?

It is sad to me

that our lawmakers felt it necessary to give itself basically unbridled powers to spy on it's own citizens.

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Expect nothing!, appreciate benignity!

But what is the alternative?

Kwibbly wrote:

It seems sad to me that our lawmakers felt it necessary to give itself basically unbridled powers to spy on it's own citizens.

I agree. It seems to me that the current process is too overreaching. However, I have seen some documentaries 9on history channel, I think) that followed the lead up to the 9/11 attacks. The implication (which of course was subjective) was that the attacks might have been prevented.

Whenever there is a disaster, the majority of people screem at the current administration DO SOMETHING!!!. Many of these same people will, on another issue, say GET OUT OF MY LIFE!

That is the dilemma we are in. How much "freedom" do we have to give up to live "free"?

.

You are not 'free'. Please give up that illusion.

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nüvi 3790T | nüvi 775T | Those who make peaceful revolution impossible, will make violent revolution inevitable ~ JFK

Oh I think I am

Juggernaut wrote:

You are not 'free'. Please give up that illusion.

I sing at assisted livings, nursing homes and alzheimer's units. At the end of each program we wear hats that a veteran has given us which have the statement: "Freedom is not free, a vet paid for it." Hundreds of thousands of vets would say to you (me included), if we are not "free", then what would is it that you want?

Is there a country you would say was "free' if it is not the US or Canada?

Do you want no laws whatsoever? Because total freedom means no laws. And I am seriously asking you this question because I did not expect such a comment from you. Maybe I misunderstood what you were trying to say. I hope so.

.

Yes, you have misunderstood. However, virtually every aspect of your life is carefully controlled. And, you don't have to look far to see how true that is.

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nüvi 3790T | nüvi 775T | Those who make peaceful revolution impossible, will make violent revolution inevitable ~ JFK

Where in the world is ...

RonJS wrote:
Don B wrote:

Sounds more like big brother BS to me. I just have an aversion to the government, a company, or anyone else spying on me.

How soon will it be when say a divorce lawyer can access that database to prove you were at a strip club instead of the library you said you were at ??

Or, the data base kicks out that your car was in the vicinity when a bank was being robbed?

Ron

Most people are carrying tracking devices now, probably without knowing it in many cases. You can disable the tracking by removing the battery (except for the iPhone of course!).

Choose your favorite search engine and search for 'steve rambam' or 'privacy is dead' and check out his presentation from a past HOPE conference.

Seems like these days

The onus of proof is on the accused. Just run for a public office. Things that you may or may not have done come up, and you spend a good deal of time trying to defend yourself. As Don Henley so eloquently said, "People love it when you lose; They love dirty laundry..."

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Striving to make the NYC Metro area project the best.

Just like radar detectors

I see a market for blockers/decievers if this ever becomes mandatory. They are getting better LCD plate blockers (can be turned opaque electronicly to block license plate). I see a market for an eraseing chip to block/clear unwanted info on the on board recording device

Big Brother is already

Big Brother is already watching, but we don't have to go out of our way to help him. This thing's not going in my car.

Now that...

is too PROGRESSIVE of an idea! sad

Keep BIG BROTHER out of your life! Period! Amen!

Let's tell Flo where to go! wink

ML

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Freedom isn't free...thank you veterans! Heard about the tests to detect PANCREATIC CANCER? There aren't any! In Memoriam: #77 NYPD-SCA/Seattle Mike/Joe S./Vinny D./RTC...and God bless Donald Trump!

Not Just Progressive...

Depending on what brand of car you drive, you are already being monitored. GM...OnStar. They send me an email every month letting me know how my vehicle is doing. It tells me what my current air pressure in my tires are. It definitely has very good gps capability. I'm sure if one were in an accident an insurace company could use the information to determine who and how much to pay for an accident, i.e., were they wearing their seatbelts, how fast were they going, did they apply their brakes, did they use a turn signal, etc., etc. The cops can contact OnStar and have your vehicle disabled if you are involved in a crime and being chased. They can locate your current position and track your movements, where your vehicle has been and for how long. I believe OnStar actually had lawsuit about the information that they gathered and sold.

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OK.....so where the heck am I?

i too put bogus info with

i too put bogus info with the store discount cards but what is not bogus is your actual purchase. discount cards track households shopping habits and allows them to adjust prices. its a great marketing and monitoring system without having to ask customers question. by purchasing various items they can even figure out info on people in your house. think about things you might buy for yourself . things you wife buys and things we buy for our kids , seperate those items correctly and you can identify your target market.

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A GPS can take you where You want to go but never where you WANT to be.
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