General discussions related to cars and driving
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By David993S
#52118
I haven't and won't do this for a couple of reasons: 1) it would get my insurance cancelled in a heartbeat, and 2) I'm not putting any surveillance device in any car I own.

About a year ago, my insurance agent "offered" me the Drive-Safe monitoring device that plugs into your OBDII port and records your speed, braking, acceleration, etc. Said I could get a 10% discount for using it. I declined for reason #2 above, and told him so. But wouldn't this be fun:

Install it in my 996 track car, take it to Mid-Ohio, run the snot out of it (as I usually do) and then give the insurance guy the device, and tell him to let me know if I qualified for the discount. :roflmao:
linderpat liked this
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By fpena944
#52754
Is there an insurance database that captures that info?

What if you were going to cancel and go with another company anyway? Would that other company ever find out?
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By maddog2020
#52893
insurance companies share all kinds of info. every car and home can be tracked for claims. Every person has a claim's credit report of sorts. can you dispute stuff and get it corrected? nope.
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By BeerBurner
#52898
I hate to say it but I'm waiting for those things to become mandatory.

OK, maybe they can't mandate it but I'm sure they can find a way to up the rates on those who choose to not use one to make it cost prohibitive to drive without one.

BB.
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By fpena944
#52919
maddog2020 wrote: Wed Jan 20, 2021 2:09 pm insurance companies share all kinds of info. every car and home can be tracked for claims. Every person has a claim's credit report of sorts. can you dispute stuff and get it corrected? nope.
Claims I know but if you were dropped for being an excessive risk, I wonder if that is captured and noted somewhere?
BeerBurner wrote: Wed Jan 20, 2021 2:16 pm I hate to say it but I'm waiting for those things to become mandatory.

OK, maybe they can't mandate it but I'm sure they can find a way to up the rates on those who choose to not use one to make it cost prohibitive to drive without one.

BB.
Yeah that's what I'm afraid of. That's how they introduced credit scores into the mix years ago. Before it was "We'll check your credit and give you a discount if you have a good score"

Now it is, "If your score is bad you get a surcharge"
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By maddog2020
#52926
Its also a way for insurance companies to collude with car manufacturers as older cars don't have the ability to collect this info. Insurance companies use everything they can to charge more money or deny claims.

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