The current state of auto insurance: shit that belongs on a shady Kickstarter from 2013

The motion sensors in your phone are able to pull enough information to determine, with high accuracy, whether or not you're the one behind the wheel.

(X) Doubt

I mean this is dystopian as hell, right?

Part of the payment for this insurance service is the policy holder's privacy?

They're having to preempt that people are going to be paranoid that they're going to be flagged as some kind of ne'er-do-well

It's tempting to opt for telematics/black box insurance because of the initial cheaper prices but the privacy violations and potential downsides make it not worth it.

You can be the best defensive driver in the world but sometimes you're just going to have to brake hard to avoid an object that may jump on you, dinging your driving score and raising your premiums.

Contrary to what this post's image says, I'm reading online that these apps aren't perfect at differentiating between who's a driver and who's a passenger.

Have fun fighting with your insurance to get them to remove anything from your record.

Last week a squirrel decided it didn't want to live anymore and jumped into my way while I was driving. It was on an empty slow street at night so I was safely able brake hard to avoid killing the poor thing. If I had spyware insurance they would've dinged me for it.

I would throw that app on a burner phone and leave it plugged in 24-7 in a desk.

Spoiler: That is absolutely going against your account.

Me, on the phone with my insurance company: "No, you don't understand! It wasn't me driving, we just have very similar telematics!"

The insurance company: "Beep boop! I am a computer! Talking to me automatically raises your insurance premium another 5%"

I don't install insurance apps. I also usually run with gps test running showing me in the middle of a local lake.

Good luck state farm we are all rooting for you. /s

Car tech today spies on you. Manufacture of said car collects that data and then sells it to lexisnexis, who then sells that data to auto insurance companies. Which in turn analyze the data and determine to upcharge you for your driving.

They'll never lower the rate, they'll just keep raising it until you finally become a pirate and drive dirty.

Thanks Ford, for your American patriotism. Fker.

Of course it's 2013. It's always 2013.

OP this is gonna break your mind but you can "uninstall" apps

Jokes on them, I hate cars, don't have one, and would never take an Uber.

This should 100% be illegal.

Enough to tell if you’re the one driving lol