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re: Drive Safe & Save Programs
Posted on 4/28/26 at 10:35 am to TDsngumbo
Posted on 4/28/26 at 10:35 am to TDsngumbo
quote:
Pure accident = typically policy limits in the event of a significant injury
Accident caused by gross negligence = usually gonna have issues with personal assets being wanted after policy limits are paid
You're funny.
Your phone already stores that data.
And it doesn't get subpoenad after an accident because you rear ended someone. The entire world knows you were at fault.
But thank you for providing an answer. I was more asking in relation to the Kavanaigh claim about something from your driving history 25 years later.
You may want to stop using a smart phone if you are worried about someone subpoenaing your driving activities. Honestly.
1
Posted on 4/28/26 at 10:40 am to meansonny
quote:
And it doesn't get subpoenad after an accident because you rear ended someone.
It absolutely 100% most certainly can be if the other attorney has reason to believe you were doing something egregiously negligent at the time that would've contributed to you severely injuring someone. Stop pretending it can't be.
And I'm aware that our phones are already tracking that, but the last thing I want is for my insurance company to have free access to it when I'm at fault in an accident. It just adds to the ways you can get fricked from it.
Posted on 4/28/26 at 11:03 am to TDsngumbo
quote:
but the last thing I want is for my insurance company to have free access to it when I'm at fault in an accident. It just adds to the ways you can get fricked from it.
Again
Explain how that fricks you with your insurance company?
They do not modify insurance policies with the data from the scoring.
If you say that you work from home and drive 1000 miles a year, they do not change your car insurance policy to reflect the 50 mile one way commute 5 days a week on the actual scoring.
Posted on 4/28/26 at 11:05 am to TDsngumbo
quote:
It absolutely 100% most certainly can be if the other attorney has reason to believe you were doing something egregiously negligent at the time that would've contributed to you severely injuring someone. Stop pretending it can't be.
Then stop using your smartphone.
"It can be" subpoenaed.
Or be a hypocrite. And keep using your smart phone.
Posted on 4/28/26 at 11:14 am to meansonny
quote:
Again
Explain how that fricks you with your insurance company?
They do not modify insurance policies with the data from the scoring.
You are in the industry, so I'd expect you to know better. Maybe the company or companies you represent don't, but some of them do absolutely use that information for insurance scoring and other purposes that are not regulated by rate increase laws. They absolutely can and some of them do use that information for rate purposes.
Posted on 4/28/26 at 11:21 am to TDsngumbo
quote:
They absolutely can and some of them do use that information for rate purposes.
They actually can't.
The state department of insurance hasn't permitted your standard policy to be rated that way.
There is a huge homogenization of insurance to help consumers shop and get offered comparable options.
The only exception is the Nationwide Pay By The Mile program where the entire underwriting is dependent on the driving app. I know other companies have piloted programs, but 15 years after telematics have been introduced they are still in development phase (needing more driving data to configure a profitable model).
This post was edited on 4/28/26 at 11:22 am
Posted on 4/28/26 at 11:46 am to meansonny
There are ways insurance companies get around increasing rates without having to ask for a rate increase, and that's typically through collision and comprehensive rate structures associated with risk scoring.
Posted on 4/28/26 at 1:32 pm to notsince98
USED to be case that ended in July of 2025
Posted on 4/28/26 at 1:36 pm to LSUgolf
quote:
USED to be case that ended in July of 2025
What ended?
Posted on 4/28/26 at 1:41 pm to notsince98
7500 miles or less
Posted on 4/28/26 at 2:59 pm to The Torch
quote:
Opinions on this program or others like it ?
This is just where auto insurance is going. It's inevitable.
State Farm's Drive Safe & Save® is a usage-based insurance program that offers an initial 10% discount, potentially rising to 30% off, based on your driving habits (mileage, acceleration, braking, cornering).
How it Works: The app connects via Bluetooth to a beacon in your vehicle to record trips, requiring location services to be set to "always allow".
I had one on my truck once upon a time because I only drove it about 5-10,000 miles a year. My rates were pretty low when I had it. We changed insurance companies and haven't checked it with new carrier but rates are lower than they were for all our vehicles and home.
Posted on 4/28/26 at 3:02 pm to The Torch
I just bought a new Corolla to commute to work and the damned thing will drive itself. Insurance on it is as much as my Daughters and my Wife's cars and neither of them are as "autonomous" as that Corolla is....unless you are asleep in the damned thing you'd have to try to have an accident in it.
Posted on 4/28/26 at 3:03 pm to tigahfan747
quote:
I’ve heard they’re terrible. Who would want to be constantly monitored by their insurance company?
Do you own a cell phone? A smart TV? an Alexa device?
BTW, most new vehicles are already collecting, transmitting and selling the data....
The same people that bitch about high costs of health insurance because of obesity don't want to save money because they don't want to be "tracked"
Posted on 4/28/26 at 10:29 pm to TDsngumbo
quote:What if you strenuously object?
It absolutely 100% most certainly can be if the other attorney has reason to believe you were doing something egregiously negligent at the time that would've contributed to you severely injuring someone. Stop pretending it can't be.
Posted on 4/29/26 at 11:36 am to AlxTgr
I scoffed at the idea but wife put in her car. Was looking at our rates and was shocked at how low her policy is now. So low I checked coverages, assuming something was wrong. And she does nothing special. Her rate on similar vehicle is almost half. That is crazy.
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