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  #16  
Old 05-28-2019, 08:49 PM
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The members mentioned that those that had this device or similar on the vehicle they were using. Was always on their minds. I can see that factor alone reducing claims.

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  #17  
Old 05-29-2019, 08:31 AM
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Quote:
Originally Posted by davidmash View Post
I switch insurance to State Farm and they have this driving monitor thing and will offer a.discount between 1% - 50%. They said it will not penlize so it seemed.like a win. I know I'm a good driver. I'll or 10 over the limit with traffic but I don't weave around, slam the brakes, stop light race ...etc.

Has anyone had any experience with these?

No experience, nor would I ever do this.
It's a question of LIABILITY. Your actions preceding any accident will be used against you. Doesn't matter if you are driving 20 mph over the posted speed limit to rush a loved one to the hospital when you wreck... you're screwed.

Decline the insurance tyranny!

---
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  #18  
Old 05-29-2019, 09:41 AM
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Lol.

You have examples of where this happened?
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  #19  
Old 05-29-2019, 10:58 AM
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Well after some thought. I would try it. Allstate is up to something obviously. Yet if you drive in a reasonable fashion. It may save you some money. Personally I am more interested in what they are really up to.


Can I see a day where to buy car insurance you must have a device installed at your expense. Yes.


You are lucky in that you can still shop for insurance. When trying to switch providers initially on our property insurance. The vast majority of quotes where identical. Plus the requirements substantial to switch providers.. When looking a little deeper. I found one company is now gigantic in size and has purchased the majority of the others that used to operate in our region. Yet not changed their names. They have also purchased right down to and including the broker levels.


We are paying premiums today that reflect their high exposure in the major disaster areas. I did some calculations and know the expected loss ratio in our area. The premiums are way too excessive so it was easy to decide.


A healthy profit system has been adopted or it is that exposure far away that they really do not charge adequate premiums for or cannot there.


Several of the major north American insurance companies originated from the local Canadian town in times far past. Some of the old money is still present.
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  #20  
Old 05-29-2019, 06:04 PM
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I think what they are up to is saving money. Studies seem to show that people will be more conscientious of their driving and thus be safer. The insurance company will give a modest discount and the company gets to keep the bulk of the premiums.

There is no indication that they have any sinister plot.
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2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD**

- With out god, life is everything.
- God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson
- You can pray for me, I'll think for you.
- When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.
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  #21  
Old 06-04-2019, 02:24 PM
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I got the sensors yesterday and installed them on both cars.

I took my first drive today. Three 'trips' totaling 43 miles. My over all score now is 92%. I sent one text on the out bound portion (I was at a stop light) and it dinged me. Also dinged me a bit for speeding but I though I was going faster on the way home than out bound yet it gave me a perfect score on the way home.

When we go to Lubbock in Dec it will probably freak out due to the speeds so that should be fun.

So far so good.
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2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD**

- With out god, life is everything.
- God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson
- You can pray for me, I'll think for you.
- When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.
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  #22  
Old 06-05-2019, 12:11 AM
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Quote:
Originally Posted by davidmash View Post
I got the sensors yesterday and installed them on both cars.

I took my first drive today. Three 'trips' totaling 43 miles. My over all score now is 92%. I sent one text on the out bound portion (I was at a stop light) and it dinged me. Also dinged me a bit for speeding but I though I was going faster on the way home than out bound yet it gave me a perfect score on the way home.

When we go to Lubbock in Dec it will probably freak out due to the speeds so that should be fun.

So far so good.
do any texting laws consider if stopped in traffic?
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  #23  
Old 06-05-2019, 12:35 AM
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Quote:
Originally Posted by davidmash View Post
I got the sensors yesterday and installed them on both cars.

I took my first drive today. Three 'trips' totaling 43 miles. My over all score now is 92%. I sent one text on the out bound portion (I was at a stop light) and it dinged me. Also dinged me a bit for speeding but I though I was going faster on the way home than out bound yet it gave me a perfect score on the way home.

When we go to Lubbock in Dec it will probably freak out due to the speeds so that should be fun.

So far so good.
How do you retrieve your score?
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  #24  
Old 06-05-2019, 08:18 AM
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I was going to say I might put one on the Vanagon. It doesn't accelerate, stop quickly or build up any real g loads...


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If you drive an old diesel that cant pull 20sec 0-60s, youre probably going to save a bundle.
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  #25  
Old 06-05-2019, 11:02 AM
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Originally Posted by INSIDIOUS View Post
do any texting laws consider if stopped in traffic?
I dont know. Never read the laws. I will have to look into that.
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2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD**

- With out god, life is everything.
- God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson
- You can pray for me, I'll think for you.
- When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.
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  #26  
Old 06-05-2019, 11:09 AM
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Originally Posted by sloride View Post
How do you retrieve your score?
The device on the windshield (about 1" sq) connects to your phone via bluetooth. I had to down load an app from State Farm. The app will display all the info it tracks and asign a score. This app tracks 4 things, acceleration, braking, turns (not sure what that is. May be G force?) and phone usage.

The app will also track the the route (displayed on a google map) time and distance.
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2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD**

- With out god, life is everything.
- God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson
- You can pray for me, I'll think for you.
- When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.
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  #27  
Old 06-05-2019, 12:33 PM
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Interesting so far. If it can determine you are speeding. It must have profiles in their system of the speed limits in given areas you have passed through. It may not have had the profile in their system for your route home. Just a guess.

I suspect a substantial investment by state farm for this. Either by purchase or their development of the system. I can see their intent to refuse to carry customers with really bad scores as their objective. Or much higher rates for them somehow. The majority of drivers do speed to some extent. It is the convention. I avoid it because at my age. I want nothing attracting attention by someone somewhere in any system. As I mentioned somewhere else the cruise control is now my best friend when driving. I will not slow traffic though but go with the flow as that is just common sense. I doubt their system is sophisticated enough to detect that. It could only work if the cars around you had similar tracking devices onboard.

An insurance company that does not lie possibly exists somewhere. Our cheque for the break and enter a couple of years ago is now in the mail. I got a phone call yesterday. Far too much nonsense by them originally for such a small claim.

They started the ball rolling when an individual of theirs said. Your wife probably did not even own a laptop computer. Plus why did we wait so long to actually start the claim? After notification to them of the loss. It was their suggestion as we were not certain of all that was missing initially.

Plus they seemed upset we actually replaced the bulk of it ourselves first. The break in destroyed a window and casement. Where we to live with a piece of plywood over the hole until it was settled? The police had pictures of the damage.

Was the wife to have no laptop until this was settled? I knew as well as they did the missing wives jewellery might be an issue as to valuations. Where we were lucky was the locked cash box as we call it was pretty well depleted. I assume you cannot claim the contents of it. At times there has been substantial cash in it.

I also told them in our world the total amount of this claim is not really that much money. What I did feel myself is if we had a major house fire. It could be a real production to get settled up with them.

Last edited by barry12345; 06-05-2019 at 01:03 PM.
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  #28  
Old 06-05-2019, 10:50 PM
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On the first trip mentioned I took the same route both directions. I would guess it is using the same maps my Garmin uses. It seems to know the speeds as well.

I am 7 trips in. Dam thing dinged me on acceleration and 2 turns on my 3 mile trip to work today. WTF? I never floor the pedal so I have no idea where it got that. And I do not take turns fast either. I think I drive fairly consistently (apparently not) so I will have to do better. Current score is 79%. ~sigh~
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Sent from an agnostic abacus

2014 C250 21,XXX my new DD ** 2013 GLK 350 18,000 Wife's new DD**

- With out god, life is everything.
- God is an ever receding pocket of scientific ignorance that's getting smaller and smaller as time moves on..." Neil DeGrasse Tyson
- You can pray for me, I'll think for you.
- When you understand why you dismiss all the other possible gods, you will understand why I dismiss yours.
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  #29  
Old 06-06-2019, 12:55 AM
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Quote:
Originally Posted by davidmash View Post
On the first trip mentioned I took the same route both directions. I would guess it is using the same maps my Garmin uses. It seems to know the speeds as well.

I am 7 trips in. Dam thing dinged me on acceleration and 2 turns on my 3 mile trip to work today. WTF? I never floor the pedal so I have no idea where it got that. And I do not take turns fast either. I think I drive fairly consistently (apparently not) so I will have to do better. Current score is 79%. ~sigh~
With that score they may not raise your rates, just drop you. Then the others in that cabal save you, but with a cost increase.
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  #30  
Old 06-06-2019, 10:52 AM
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This system is very crude. It totally lacks enough input sensors. So what can State farm get out of it that is accurate and what they really want?

A profile of your speeding habits in relation to posted speeds. Otherwise the system is so flaky nobody is going to see a discount in my opinion unless the vehicle remains parked.

Since that does not allow the speed and probably usage profile to develop. It would not surprise me if they just told you the vehicle has not been driven. So no information no discount.

For example since there is no sensor information on the road condition on corners. Or straight sections of road. It could be wet or dry or snowy or icy. The system has no calculation of available traction. To compare with what you have available at whatever speed you are travelling. .

I believe State Farm or whoever they contracted with is piggybacking on some existing systems. That lack the general sensitivity required plus there exist a major lack of inputs to give reasonable determinations.

Their expectations perhaps are to slow down drivers. Perhaps the first five miles over will not drop the indicated percentage. Anything more might hit it hard. The incorporated errors in their system are enough that even perfect acceptable normal driving will reduce your percentage.

The only other thing I noticed. The use of a cellphone in the vehicle is recorded by them. Not the conversational content.

It may be tied to the time frame of the vehicles movements. For example you were not mobile for too short of a time at that intersection. Or even worse there are no parameters at all. So any use of a cellphone in the car is flagged. Cellphone usage while driving is a well recognized hazard and accident risk factor. Basically they can get only a very few things from this that are reliable enough to satisfy them. Or to be of any use.

There are also some possibilities a study of vehicle usage times and durations etc. Might indicate if there are users that should see higher premiums as the insurance companies profiles show a higher risk exists. With them. Just about anything else is little more than a distraction for reliability.

What was effective here in reducing the amount of accidents. Was not the insurance companies. The dollar amount for infractions was increased so much people found the prices too punative. So they just started to watch what they were doing more when driving.

I even found myself mentioning to the wife. Honey you really should stop just before the white line at intersections or just at it. I notice you are not. You are almost always over it. The fines now are really heavy. Those situations are where you had better use the best diplomatic approach you can come up with in mentioning it.

So I will add that I do it too but am trying to stop it. Actually I do not go over that line. The real reason is for anyone making a left turn I am then obstructing the radius of their turn to some extent.

For example if stopped and asked for proof of insurance. If you left the paper at home in your purse. It will cost you 1100.00 now. They are really out to raise revenue. So just leave all documentation in your car. We really do not have any uninsured drivers as such either anymore. You have to prove insurance to get plates for a car.

If you have no insurance somehow and are stopped by the time it is finished it will cost in the thousands. If you are involved with an uninsured driver accident. There is a fund that will pay you for what they have done. They get various fines and costs. Then they must pay the fund back or never get a drivers licence again. Plus chased hard for all the money as well.


Last edited by barry12345; 06-06-2019 at 11:48 AM.
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