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There's a lot of jerk drivers who go way too fast and drive very dangerously. They should have to pay significantly more for it. For people that drive correctly
by nemo44x 3y ago
There's a lot of jerk drivers who go way too fast and drive very dangerously. They should have to pay significantly more for it. For people that drive correctly, they should be charged less as well. I don't see why this is an issue.
- loeg 3y agoThe cars are not capable of measuring how dangerous the driving is.
- nemo44x 3y agoSure they are. Speed is easy to detect for instance. Someone driving 50mpg in a 25mph school zone should have massive increases to their insurance as they present huge risk.
- thfuran 3y agoShould the fine be the same regardless of whether it's five minutes after school let out out or 3AM on Christmas day?
- nemo44x 3y agoIt would be up to the insurer and how their models reflect and manage risk. The point being, individual insurers would be able to better price insurance based on discrete customer behavior.
- thfuran 3y agoShould cell providers sell customer data/metadata to car insurance providers? It, after all, in the best interest of the insurers.
- nemo44x 3y agoIf there's enough data to suggest that with a high degree of probability people using their cell phones in certain ways while operating a vehicle causes damages then yeah, there should be a market for that. I'm not saying there shouldn't be legislation that limits which types of data can be shared, but certainly if there's useful information that has a market that leads to better safety and lower insurance prices, then I'm all for it.
- rootusrootus 3y agoI'm curious how that would play out. Speeding is a risk, doing it in a school zone when classes are getting out is a bigger risk, but driving at 3AM is also a big risk.
- thfuran 3y agoDriving while tired is a risk, but that's not the same thing.
- rootusrootus 3y agoFrom the insurance company's point of view it's all just risk. Driving at 3AM isn't just about driving tired, it's about drunk drivers sharing the road. The risk is substantial.
- loeg 3y agoCars don't know about school zones and the reported data lacks even the signal of "50 in a 25." It's just a boolean: speeding, true or false. I'm skeptical of the idea that 61 in a 60 zone should be considered as dangerous as 130 in a 25, for example.
- jabroni_salad 3y agoFun new line of business idea: Manufacturers could claim the texas abortion bounties by reporting any motorist who travels to an out of state clinic. The problem with allowing this kind of data usage is you will also have other moral authoritarians that wish to use the data as well.
- yodon 3y agoThere are plenty of data brokers who will sell your personal location data, independent of your vehicle, obtained from the apps on your phone.