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Reminds me of the time I dumped CANbus data off a Yamaha R1 bike, made sense of the data, and displayed it on a bunch of charts. Interesting data like Accelera

Reminds me of the time I dumped CANbus data off a Yamaha R1 bike, made sense of the data, and displayed it on a bunch of charts. Interesting data like Accelerator Handle position, you can figure out how much a rider is really cranking it, and how aggressive they are riding.

jasonjayr 3y ago
... Which is precisely the data those data loggers you plug in from insurance companies track to adjust/refine your rates .....
- mikepurvis 3y ago
  Honestly, it seems pretty fair to me. If I'm a careful, occasional driver, and the insurance company otherwise has no way of knowing that, then they have to bill me like I'm commuting every day in stop and go traffic, distracted by podcasts and who knows what else. There will probably always be a "premium" market for no-questions-asked insurance, but if the company can give me a break on my rate based on my driving behaviours correlating to a lower incident likelihood, I'll happily take that break. Even better if such measures correspond to drivers across the board adjusting their habits now that it hits them directly in the wallet.
  - jasonjayr 3y ago
    At it's face, yea, it sounds fair, and the more data you feed to the actuarial tables, the more accurately they can identify the specific cost of insuring that driver. My concern is that it's a tragedy of the commons type situation: this normalizes data surveillance. We have no idea exactly what data the device is transmitting, and what the insurance company will do with that data. Regulations protecting this data are weak-to-non existent. With everyone's budget being stressed, people are quick to trade a few dollars to sacrifice privacy, and then this technology is being mandated everywhere.
    - mikepurvis 3y ago
      Fair, though given that manufacturers are already doing this stuff anyway, it feels like a problem to be solved with broader privacy legislation than by making good drivers pay for the cost of bad drivers. On the other hand, I suppose I'm a bad person to make this argument since I actually dislike personal automobiles for a whole host of reasons, so I'd just as soon get back my privacy by walking, cycling, and using mass transit.
  - akira2501 3y ago
    The majority of fatalities involve drugs or alcohol, they often involve youth and speed, and occur at night. Many insurance claims involve single vehicle accidents and weather or other wear related damage. The most common two vehicle claim is rear ending into a stationary vehicle, where it's not particularly difficult to determine fault. Further, none of this matters all that much if you have a straight liability only policy, since that's based on liability of damages and not replacement property values. These devices make very little sense to me and I'd be curious to know if anyone has any data that the presence of these devices is having any impact whatsoever.
- LesZedCB 3y ago
  I did one of those once and tried for three months to drive really carefully. in Boston. it basically broke me and my driving sanity for 6+ months and made me a really worse driver for a while, maybe permanently?? and my rate basically didn't change at all.

jasonjayr 3y ago

... Which is precisely the data those data loggers you plug in from insurance companies track to adjust/refine your rates .....

mikepurvis 3y ago
Honestly, it seems pretty fair to me. If I'm a careful, occasional driver, and the insurance company otherwise has no way of knowing that, then they have to bill me like I'm commuting every day in stop and go traffic, distracted by podcasts and who knows what else. There will probably always be a "premium" market for no-questions-asked insurance, but if the company can give me a break on my rate based on my driving behaviours correlating to a lower incident likelihood, I'll happily take that break. Even better if such measures correspond to drivers across the board adjusting their habits now that it hits them directly in the wallet.
- jasonjayr 3y ago
  At it's face, yea, it sounds fair, and the more data you feed to the actuarial tables, the more accurately they can identify the specific cost of insuring that driver. My concern is that it's a tragedy of the commons type situation: this normalizes data surveillance. We have no idea exactly what data the device is transmitting, and what the insurance company will do with that data. Regulations protecting this data are weak-to-non existent. With everyone's budget being stressed, people are quick to trade a few dollars to sacrifice privacy, and then this technology is being mandated everywhere.
  - mikepurvis 3y ago
    Fair, though given that manufacturers are already doing this stuff anyway, it feels like a problem to be solved with broader privacy legislation than by making good drivers pay for the cost of bad drivers. On the other hand, I suppose I'm a bad person to make this argument since I actually dislike personal automobiles for a whole host of reasons, so I'd just as soon get back my privacy by walking, cycling, and using mass transit.
- akira2501 3y ago
  The majority of fatalities involve drugs or alcohol, they often involve youth and speed, and occur at night. Many insurance claims involve single vehicle accidents and weather or other wear related damage. The most common two vehicle claim is rear ending into a stationary vehicle, where it's not particularly difficult to determine fault. Further, none of this matters all that much if you have a straight liability only policy, since that's based on liability of damages and not replacement property values. These devices make very little sense to me and I'd be curious to know if anyone has any data that the presence of these devices is having any impact whatsoever.
LesZedCB 3y ago
I did one of those once and tried for three months to drive really carefully. in Boston. it basically broke me and my driving sanity for 6+ months and made me a really worse driver for a while, maybe permanently?? and my rate basically didn't change at all.