600
The current state of auto insurance: shit that belongs on a shady Kickstarter from 2013
(lemmy.world)
this post was submitted on 12 Jun 2024
600 points (97.3% liked)
Mildly Infuriating
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I mean this is dystopian as hell, right?
Part of the payment for this insurance service is the policy holder's privacy?
They're having to preempt that people are going to be paranoid that they're going to be flagged as some kind of ne'er-do-well
I always thought it was a huge concern to let the insurance company have gps access to my phone because it gives them exact times when I am away from my home.
Insurance companies’ more nefarious employees or employee’s friends have an exact playbook for when it’s safe to break into your home, how much money you have(based on how many and the types of cars you have policies on), how many people could be at home (insured on policy), credit rating… etc. It’s not data that you couldn’t get with a bit of research and time, but having a searchable database full of customer info makes it easy to list out hundreds of targets with little effort.
and we know for a fact that most of these companies have dogshit IT security, doubtless at most of them the janitor can sign in with his corporate ID and access customer data without anyone noticing.
Why would you give gps access to your insurance company?
Insurance companies give people discounts based on driving habits good driving habits, like the lack of speeding and hard braking… which can be determined by gps. They also charge more for people that drive more miles per year because it exposes the vehicle to more possibilities of being involved in accidents.
It’s not unreasonable for them to ask for access to your gps data… it is definitely unreasonable for you to give them access to your gps data.
Did they give you a fitbit?
I could imagine you get discounts on insurance.