Nationwide Insurance

[CapLock]

A couple weeks ago i get a call from my insurance lady that my policy would be going up but she shopped around and got me an even better deal.

Today i get a package in the mail. I figure my wife has ordered some more shit we dont need. She hands it back and says im supposed to plug it into my truck for the new insurance policy. This thing tracks geolocation, acceleration, deceleration, time, speed, bla bla bla and sends the info wirelessly.
Im going to Hillary Clinton this fucking thing into a million pieces and send it back. Ill take the next highest insurance thank you.

[Irving]

You can drive like a princess for six months and get a better rate, or send it back and not get a better rate. No need to throw a hissy fit about it.

[20X11]

Just say NO

[spqrzilla]

I am trying to imagine what "drive like a princess" even means ....

[izzy]

Or you could drive like a mad man to see what they say then change to the next plan.

[Irving]

I had a Progressive one about 5-6 years ago and it would audibly beep every time I did something it didn't like; which was generally braking too hard, turning too hard and usually both.

[Zundfolge]

I wouldn't smash the thing (you'll likely get billed for it) but I certainly wouldn't plug it into my car.

[MrPrena]

Plugging in Snapshot on Huracan or R8 would bring the insurance cost much higher for anyone for sure. Stay away.

[TFOGGER]

I'd just plug it into my truck. It stays parked 99% of the time, and the other 1 % is mostly driving over to the other side of the building at work to dump trash once a week...max speed is about 3 mph, and round trip mileage is about 100 yards.

[Irving]

I kind of understand the paranoia of the devices, but I'm interested to hear of ANY first hand accounts of insurance using this device for anything besides potentially reducing a rate. None of the companies I worked for used these at the time I was doing auto stuff, but they did exist at the time. Of the thousands of claims I handled, not a single one had anything to do with one of these devices, not did I ever hear of any instance from any of my many coworkers, nor the companies. *Companies will often talk about big court cases (win or lose) after they are over.

I very much doubt that they broadcast live data, or else there would be no need to send them back until you cancelled the policy, not to mention they would be cost prohibitive to have a data plan. I think people are worried that they will be self incriminating in the case of an accident. First, I doubt the desk adjuster is going to either know, or even care if you had one installed. If it was a minor accident with no injuries, I can't imagine any company demanding the return of the device to study the data because most minor claims would be settled before it'd even arrive in the mail. If it were a major accident, there are already plenty of other methods of working out what happened that are already being utilized and the amount of concrete data from the device is not likely to contribute much.

Otherwise, I really have a hard time believing that any one is looking at the parts of the data that an individual may care about like GPS locations. The insurance company already has your address and social security number. They don't care where you've been and aren't going to be sharing their proprietary days with anyone else.