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NYTimes article a few years ago on how car insurance companies were using such data. Tracking sudden stoos, driving at night, driving faster than 80 mph, etc.
by peter303 3mo ago
NYTimes article a few years ago on how car insurance companies were using such data. Tracking sudden stoos, driving at night, driving faster than 80 mph, etc.
- baranul 3mo agoExactly. Exchanging private and personal user data without consent and without users being aware of it, for their profits.
- thephyber 3mo agoIt’s important to understand that in the USA, data is owned by the collector (eg. The app or SaaS who generated it), not the person who is described by it. Until this legal regime changes, we will constantly be playing whack-a-mole with laws like this.
- Hikikomori 3mo agoThat sounds like something Europeans would do, so it's anti american.
- dotancohen 3mo agoIn Europe, who owns the copyright of a photograph? The subject or the photographer?
- Hikikomori 3mo agoIf a company writes down my personal information do they now own it?
- dotancohen 3mo agoI believe that the Bern convention stipulates that they now own that particular expression (e.g. formatting) of your personal information. Check before relying on that.
- charcircuit 3mo agoThe economy is not 0 sum. Someone else profiting doesn't hurt you.
- markdown 3mo agoSeems you missed that part that DOES hurt us: > Exchanging private and personal user data without consent and without users being aware of it
- charcircuit 3mo agoThis information allows other companies to make more informed decisions. Other companies making better decisions doesn't "hurt us".
- blitzar 3mo agoWe collect your data, sell it to the highest bidder and sun ourselves on a yacht we bought with the proceeds ... "to help you".
- Avicebron 3mo agoAnd when those "informed decisions" are denying healthcare/insurance/loans/what have you?
- charcircuit 3mo agoI personally see it as similar to fraud if you are deliberately hiding a piece of information that makes you riskier to insure or loan money to. In order to accurately assess risk you need personalized data. So I see this as being a more fair deal. It's like when the internet made it possible to look up the price of good easily how it made it less likely for buyers to be able to lowball people. These price guides may be bad for these buyers, but it provides a more fair deal for these seller.
- iamnothere 3mo ago
- codazoda 3mo agoAs an aside… I wonder why “80 mph” was picked as an arbitrary value. In rural areas of Utah we have 80 mph posted limits and prima facie speed laws. A lot of Utah drivers regularly exceed 80 MPH and I’d argue they do so legally. It’s just a weird number for them to pick.
- ang_cire 3mo agoI'd surmise it's because several states (CA comes to the top of mind) set speeds in excess of 80 as a potential felony enhancement. iirc in CA it's 20mph over the speed limit, or speeds over 80. The insurance companies probably want to know who to raise rates on.
- dexterdog 3mo agoWhich is crazy because when I do 80 in Mostly PA and NJ I am getting passed constantly.
- dlev_pika 3mo agoI just looked and both PA and NJ, have way below natl average car accident deaths per 100K drivers, even if death in over speeding seems to be a a significant contributing factor to overall rates. Interesting to me. I wonder what are they doing right.
- tzs 3mo agoThey may be looking at a correlation between speed and claims rather than whether or not the speed is legal. Accidents at 80 mph will tend to be more severe, and possibly also more frequent. Note that they are also looking at night driving, which as far as I know is legal everywhere, but someone who spends a higher percentage of their time driving at night probably is a bigger risk for the insurance company than a similar person who doesn't drive as much at night.
- polski-g 3mo agoIt's not arbitrary. In Virginia that's a guaranteed reckless driving charge.
- gruez 3mo agoAren't those collected consensually (and pretty explicitly) as part of insurance programs?