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I suppose it's a similar argument as answering the question "why shouldn't sicker people pay way higher insurance premiums instead of driving up the average cos
by kriro 10y ago
I suppose it's a similar argument as answering the question "why shouldn't sicker people pay way higher insurance premiums instead of driving up the average cost". For health insurance I think the pool of insured people to protect against black swan type problems is reasonable and ethical (it protects people with birth defects etc.). However for car insurances I feel like this argument doesn't hold as your driving behavior is very much in your control.
The interesting question is if it might actually be a smart strategic move to announce such a use of data. It's a bit counterintuitive as that would limit your customer pool. However I think there are benefits to limiting your customer pool to more "positive" cases. Let's say Tesla would announce that they'd collect data on reckless driving, warn the drivers and upon ignoring the warnings a couple of times inform insurers about it. That would probably result in less reckless drivers buying their cars which might actually not be horrible since that would also reduce the number of accidents etc.
The big issue is of course that it would violate all reasonable privacy laws I can think of (I guess they could make it opt in).
[all assuming non-automated driving]
- rsync 10y ago"I suppose it's a similar argument as answering the question "why shouldn't sicker people pay way higher insurance premiums instead of driving up the average cost"." I don't think that is a good analogy ... many "sicker" people have played no role in their sickness which may not be related to behavior or decisions. A better analogy would be: Why don't mountain climbers and scuba divers[1] pay higher insurance rates ? I sort of think that they should, however I don't have a good answer as to what happens when an injured stunt skier is broke (and broken) ... do they get no medical care ? [1] Or whatever - you get what I mean.
- maherbeg 10y agoDoesn't this happen already with some classes though? Smokers vs non-smokers?
- hysterix 10y agoI know this was just a hypothetical question but as a scuba diver I actually pay for a completely separate insurance on top of my standard health plan called DAN insurance: http://www.diversalertnetwork.org/insurance/dive/ http://www.diversalertnetwork.org/insurance/dive/ So stuff like a helicopter evac, access to a hyperbaric chamber and the ability to call a number and speak to a doctor who specializes in diving related illness means I already do pay more for insurance than someone who isn't a diver.