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The motion sensors in your phone are able to pull enough information to determine, with high accuracy, whether or not you're the one behind the wheel.
(X) Doubt
Don’t worry. The next paragraph provided an email address where you can send reports of inaccuracies for them to review.
Jfc my heart goes out to everyone who is financially coerced into getting one of these policies. This is not okay. People who have a voice need to push back on this. Your own devices should never be used against you.
Yeah was about to say, my phone can't even tell whether I'm walking or cycling or taking a bus, I have exactly 0 hope it could tell whether I'm driving or not other than not being connected to my car's bluetooth which will be exactly what they are doing here of course!
Oh good, then I'm safe. My phone doesn't connect to my car's Bluetooth unless is configure it every drive.
Damn thing won’t even track steps when I’ve got a purse on.
Motion sensors don’t provide localization. Gps on cellphones are only really accurate to a few dozen meters.
You can couple gps and motion (and changes in gps location) to fudge it. Which is why when you diverge off the route navigation provides… it takes it a moment to figure it out. In the display, they “know” you’re on the road so it doesn’t have to be that accurate, they just guess what lane you’re in based on direction and such.
They’re certainly not going to know what seat you’re in.
I always place my phone in the center console anyways, there would be zero way to tell who is driving. Not that I'd ever install such an app...
I'll just put my phone in the trunk in the future.
What if my phone is sitting in the cup holder in the center console... What if I sit it on the passenger seat and it slides of on a turn and slams into the dash? Will they assume I've been in some horrible accident.
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.
There was a piece on a fairly recent Smashing Security podcast that said that some car manufacturers are sending data to the insurance companies anyway.
https://www.smashingsecurity.com/363-stuck-streaming-sticks-tiktok-conspiracies-and-spying-cars/
Yup, this is why in my own vehicles I physically disconnect the system that sends these messages.
Laughs in a 2002 econohatchback
UK you have the concept of black box car insurance that offered a substantial discount for having either a dedicated device installed into the car or an app on your phone that tracks a bunch of stats as you drive. It's as shit as it sounds as it marks you down for every little infringement such as driving at peak times because that's more dangerous. Get enough points and you can have your policy cancelled. In the UK there are knock on effects for ever having an insurance policy cancelled and you have to legally declare you did when asked.
While you can uninstall the app good luck making a claim if you don't have it installed with data for that journey. They'd also be pretty suss with no data over an extended period of a few months.
Worst part of these is that it's expensive to switch to a non black box policy when you can afford to as you get older and more experienced.
They have those in the US too.
Such an obvious scam. “Do this thing that might lower your rates.”*
~in 99.99% of cases rates increased~
It's tempting to opt for telematics/black box insurance because of the initial cheaper prices but the privacy violations and potential downsides make it not worth it.
You can be the best defensive driver in the world but sometimes you're just going to have to brake hard to avoid an object that may jump on you, dinging your driving score and raising your premiums.
Contrary to what this post's image says, I'm reading online that these apps aren't perfect at differentiating between who's a driver and who's a passenger.
Have fun fighting with your insurance to get them to remove anything from your record.
Last week a squirrel decided it didn't want to live anymore and jumped into my way while I was driving. It was on an empty slow street at night so I was safely able brake hard to avoid killing the poor thing. If I had spyware insurance they would've dinged me for it.
Don't do it. It's a bait and switch. You'll get the initial discount, then you brake hard one day because someone cuts you off.. and next thing you know your rate goes up. Also if your take a turn too fast. If you speed. If you accelerate hard (RPMs go above normal range).
I'll preface this by saying this shady shit gets all my hate.
It’s tempting to opt for telematics/black box insurance because of the initial cheaper prices but the privacy violations and potential downsides make it not worth it.
The overall problem here is that human psychology tends to frame this difference as a loss not a gain. Given the choice, people will see the cheaper option as the baseline, and then ask "can I afford to pay more for privacy?" instead of affirming "my privacy is not worth this discount."
Also, those of us that have paid for insurance without such a "discount", are likely keenly aware of the difference. For new drivers, from now to here on out, the lack of past experience presents a new baseline where this awfulness is normalized. Competition between insurance providers won't help us here since the "privacy free" option is still profitable and is enticing for new customers (read: younger, poorer). So it'll take some kind of law, collective action, or government intervention to make this go away.
Have fun fighting with your insurance to get them to remove anything from your record. [...] If I had spyware insurance they would’ve dinged me for it.
I think this is the bigger problem. If someone has the data an insurance company wants, you probably agreed to an EULA or signed something that makes their ownership, and its sale, legal. With the "yeah go ahead and use my data" option on the table, the machinery to do this without your knowledge is already in place. All the insurance provider has to do is buy the data from someone else. When the price is right, 1st party spyware isn't required at all.
I would throw that app on a burner phone and leave it plugged in 24-7 in a desk.
These apps are so bad they have recorded people "hard braking" when they are home watching TV (just check the Play store for any of them and read the reviews)... there is no way this isn't ripe for abuse
Wouldn't be surprised at all if they just randomly select a few customers every once in a while to raise their premiums.
Hide it on a bus
Spoiler: That is absolutely going against your account.
Me, on the phone with my insurance company: "No, you don't understand! It wasn't me driving, we just have very similar telematics!"
The insurance company: "Beep boop! I am a computer! Talking to me automatically raises your insurance premium another 5%"
I don't install insurance apps. I also usually run with gps test running showing me in the middle of a local lake.
Good luck state farm we are all rooting for you. /s
Car tech today spies on you. Manufacture of said car collects that data and then sells it to lexisnexis, who then sells that data to auto insurance companies. Which in turn analyze the data and determine to upcharge you for your driving.
They'll never lower the rate, they'll just keep raising it until you finally become a pirate and drive dirty.
Thanks Ford, for your American patriotism. Fker.
Of course it's 2013. It's always 2013.
I have believed for years that 2012 is the year that enshittification of everything truly began with windows 8, but 2013 seems to be where it started picking up the pace with everything else. (iOS 7 and YouTube with Google+ anyone?)
People thought the world was gonna end that year.
It didn't, but everything did turn to shit.
Jokes on them, I hate cars, don't have one, and would never take an Uber.
Hark at Simeon Stylites here
This should 100% be illegal.