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Is Your Driving Being Secretly Scored? The insurance industry, hungry for insights into how people drive, has turned to automakers and smartphone apps like Life360. (www.nytimes.com)

submitted 5 months ago by silence7@slrpnk.net to c/technology@lemmy.world

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[–] Zak@lemmy.world 8 points 5 months ago (3 children)

Why do you have an app for that?

[–] RustyWizard@programming.dev 7 points 5 months ago* (last edited 5 months ago)

I have USAA, and if you use that app you’re eligible for discounts on your insurance.

[–] ryven@lemmy.dbzer0.com 7 points 5 months ago (2 children)

Discount on my insurance.

[–] Zak@lemmy.world 18 points 5 months ago (2 children)

I'm inclined to think this should be illegal because it could lead to a situation where insurance is unavailable to or unaffordable for anyone who doesn't opt in to fairly invasive tracking.

[–] thevoidzero@lemmy.world 6 points 5 months ago

It is kinda like that. We have a tracker that we added because they increased the insurance rate and said if you install this device we'll keep the rate low based on driving patterns.

Basically records how often you drive, hard break/sharp turns, after midnight drives, etc. We don't drive the car often so the prob of accident is low but we recently learned that they can consider not driving enough also bad saying it can make you drive recklessly or sth.

[–] catloaf@lemm.ee 2 points 5 months ago (1 children)

If you can't afford insurance, you really can't afford to get in an accident.

[–] Zak@lemmy.world 8 points 5 months ago

It's also illegal in most jurisdictions. My point isn't that anyone should drive without insurance, but that allowing insurance companies to offer discounts for accepting spying will lead to the spying being effectively mandatory for most people.

[–] odelik@lemmy.today 8 points 5 months ago

I installed the app, did initial setup, then forced it to never update, shut off internet access, and disabled notifications. Still seeing the discount nearly 3 years later.

[–] jabathekek@sopuli.xyz 5 points 5 months ago

I'm guessing insurance discounts.