Is Your Driving Being Secretly Scored? The insurance industry, hungry for insights into how people drive, has turned to automakers and smartphone apps like Life360.
Is Your Driving Being Secretly Scored? The insurance industry, hungry for insights into how people drive, has turned to automakers and smartphone apps like Life360.
The insurance industry, hungry for insights into how people drive, has turned to automakers and smartphone apps like Life360.
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Jokes on them, I drive recklessly as hell and in twenty years am at fault for zero accidents, while my wife hates driving with me and drives incredibly cautiously and has been at fault in accidents. Can the algorithm see past 'this person accelerates quicker therefore should have a higher premium" because otherwise I feel like the old system was working. It was frustrating to pay more as a young male driver, but I've proven myself and my abilities behind the wheel and wish to continue to pay accordingly.
I drive recklessly as hell
...
but I've proven myself and my abilities behind the wheel
Pick one
A good/skilled driver is not necessarily a safe driver & vice versa.
For the pinnacle of that statement, look up the "suicide evo" on YT.
On public roads, a good driver is a safe driver. An F1 driver is a good driver but if they drive like that on the highway, they cease to be a good driver.
Pick one
No. I'll admit my verbage could probably use some work, but oh well. Many traffic laws exist to fund police departments. I obey the laws that are grounded in reality. I've driven professionally and if 10000 hours of practice makes mastery then I've easily at least tripled that, easy. If you're imagining someone driving like a complete douche that's probably not me, as I'm extremely considerate of other drivers, having no faith in their abilities or perceptions. But I hate being in a car and when I'm driving I want it to end as quickly as possible so I will speed through a yellow if there's visibility both ways and no cross traffic and I will speed on empty highways and I will treat traffic lights like four-way stops if there's no one else on the road. Etc
Sounds like something an irresponsible wreckless chode would do. I hope you're just kidding because I wouldn't want you to be an irresponsible wreckless chode.
Could you point out for me which behaviors are reckless, irresponsible, and chode like? I'm also dumb.
The entire second to last sent where you listed being wreckless and then ignoring that stop lights aren't in fact stop signs. Running red lights is very chode-like, speeding to get through yellows is wreckless, and both are irresponsible.
Oh, okay. Cool.
I'll reiterate the above examples are on empty roads, I don't take chances with other drivers. That being said there's no world where I'm wasting several minutes and gas just because a timer clicked off. I am a human being and while I respect machines and the intentions with which they were designed, machines hold no authority over me. And if it's weight based and you ride a motorcycle you literally have no other choice as the bike won't set it off. You can run the light or wait possibly hours for another vehicle to set it off for you. So if that makes me a chode then I guess I'm a big ol' tuna can.
I've witnessed plenty of chodes that think there are no other drivers on the road out between cities just running stop signs or lights getting into accidents because they weren't as alone as they thought.
I am a human being
Exactly. You're not perfect, and you will eventually fuck up and possibly hurt someone else or yourself if you don't adhere to driving safety 100% of the time you're behind the wheel.
Even professional drivers on an empty race track make mistakes. Don't think you're infallible just because you've been lucky so far.
No I'm actually pretty sure I'm infallible. I went to Jerusalem recently and learned a great deal about myself.
Technically they said wreckless, which is accurate.
Nice!
Sounds like you just picked one
Okay.
Im sure they can. Insurance companies love data. While someone like you might fly under their radar with crash statistics, it might be worthwhile to flag you as low risk for crash, but if in a crash high risk for multi-fatility crash. This would mean a bigger potential payout for them and they might want to risk adjust you. I'd advocate that just about anyone should try to protect their own data and avoid sharing this info with insurance companies.
It's pretty well established that women tend to get into more accidents than men, but they tend to be minor fender benders that don't cost all that much, while men tend to cause accidents very rarely, but when we do, multiple vehicles are destroyed and people die, and that's a great deal more expensive in the long run. So you haven't had an at fault accident in 20 years, doesn't mean you won't destroy a school bus tomorrow.
Well just because it's on my schedule doesn't mean I'll get to it, anyway.