Car Insurance Monitoring For Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi
For a price, would you let car insurer along for the ride? -asks a USA Today technology story by Kevin Maney. It seemsthat Progressive Insurance and IBM have worked out a scheme topay drivers to be safer - by monitoring their every move intheir own cars, and how fast they make that move, and wherethey park, and what time they drive.
The program is being tested in Minnesota and in the U.K. in aprivacy busting program that rewards drivers for keeping underthe maximum speed limits and driving during safer times ofday. It's an interesting twist that is compared here to ashopper reward card that monitors what you buy, although itdoesn't give you lower prices if you buy healthy food - whichseems like the best analogy. (But it does let the food chainsknow how often you shop and how much you spend on what typesof food, and alcohol, and cigarettes and trashy tabloids.)
Drivers must attach an electronic monitor to their cars thatdownloads information which is generated and stored there indiagnostic chips included in most newer model vehicles. As theydrive, it stores current driving behavior - and location - anddriving times and at the end of the defined time, drivers takethe unit into the house, attach a USB cable and download thatinformation into their computer and transmit it toProgressive.
But the insurance discount program does have an interestingtwist in the Minnesota test. Apparently drivers who see fromtheir downloaded information (or just know they drove badly attimes) that they exceeded maximum speed limits, drove duringexpensive times (2am when bars close is most expensive, after11pm is next) can choose NOT to send that information toProgressive and pay the normal undiscounted insurance rate.
It appears to have the true benefit of making drivers becomemore cautious and drive within limits of the law during safehours. There is nothing wrong with this for those willing togive up the information. This allows those willing to bemonitored the choice to send the information to their insurerand get a discount or NOT send it to pay normal rates. It'sworth considering.
I'm among those who continues to use supermarket loyaltycards, even though I despise the fact that they can see mypurchase history and note my travel habits. The savings arejust too great to pass up. (I used a false name to set thecard up, but quickly noted that they tied together my debitcard name and loyalty card purchases, thus gaining thatinformation that I had denied them with the false name - now Iuse cash.) You certainly can't do the same with the insurancedriving discounts. Information must be accurate to properlyinsure and discount the policy.
The UK program is more invasive and offers far less choice.Drivers must always download the information from the carmodule to gain insurance discounts and the British companymonitors more information from those UK drivers.
The US version may have some merit if choice remains a part ofthe equation upon full rollout to American drivers who wantthat ten percent discount on auto insurance policies inexchange for giving up the privacy of their driving habits.
The disturbing part of this, again, as always, is the possiblemerging of multiple databases to form near perfectsurveillance pictures of us with each new development. Oursupermarket discounts show that big database what we eat,what else we buy at the grocery, the insurance informationdefines our travels and schedule, our credit and debit carduse defines our spending, travel and lifestyles, whilemultiple other databases from airline security info to phonerecords can be merged at any time to form near perfectpictures of our lives for anyone that wants to access it.
Once a national ID (driver licenses will soon carry mandatorymagnetic information and will serve as a defacto national ID),we can be fully monitored, tracked, analyzed and digitized toform a truly invasive database of numbers and bits ofinformation about each of us.
The sources of data about each of us are growing daily. Theconcern is the loss or abuse of that data through commercialand/or governmental negligence and/or criminal intent. Themethods to access that data are growing as the sourcesproliferate.
Privacy is something we give up in small bits for smallbenefits, like cheaper produce using supermarket loyalty cardsand insurance discounts using car monitors hooked up to ourinsurance carrier. We need laws to control and safegaurd eachof those databases and stop any merging of those multiplesources of data into the ultimate Big Brother database.
I want my car insurance reduced and I'm willing to considerthis newest scheme if I have choice of whether to send my infoto my insurer. I will send it when I've been good and won'twhen I have been less good. But I don't want it merged with myother sources of data or shared among commercial interests whomay see fit to sell it to each other.
It gets more interesting daily. Who is in control of thisprivacy devouring data monster?
Mike Banks Valentine blogs on privacy issues at:http://PrivacyNotes.com/privacy_blog/ You can subscribeto the RSS feed by entering My Yahoo or My MSN at:http://privacynotes.com/privacy_blog/atom.xmlWeb Content Resource From http://Publish101.com
Why Does Health Insurance Cost So Much?
Why does health insurance cost so much? Year after year, many of the articles that appear in print detail the specific factors driving the cost of healthcare.<...(related: Insurance)
Tips For Choosing A Life Insurance Company
More than 150 insurance companies offer thousands of life insurance products in the UK.Choosing the right company and right product from this bewildering choice is challenging. Fortunately, there are some common sense guidelines th...(related: Insurance)
How To Negotiate A Settlement With An Insurance Claims Adjuster
You and I. M. Strong, the adjuster from Granite Mountain Insurance, are sitting at your kitchen table in an attemp...(related: Insurance)
Canadian Funeral Insurance: Our Final Gift To Those We Love
Most of us don't like thinking about our own funerals, but no matter how much we ignore the inevitable, the truth is that when the time comes someone will be responsible for those expenses. The question is will it be our grieving loved ones who f...(related: Insurance)
Underinsurance Can Spell Disaster For Homeowners
Insurance is meant to give homeowners peace of mind, but an increasing number of policy holders are putting themselves at risk by neglecting to insure their home and conten...(related: Insurance)
Cheap Term Life Insurance Is Available Everywhere
Cheap term life insurance is easier to get than most people think. Dealing with a life insurance company has been made much simpler thanks to the Internet. No more spending hours of precious time with insurance agents. You can get the best term life insurance rate online; you can do it even on your lunch break!Cheap term life insurance on the internet can be found by seeking out ...(related: Insurance)
Long Term Care And Long Term Care Insurance
A person might need long term care (LTC) if he/she cannot perform activities of daily living such as eating, taking shower or getting dressed by him/herself anymore. Certain disease can also make long term care necessary.Long term care is not the type of care offered by a hospital or a doctor's clinic. Long term care can be re...(related: Insurance)
Guide To Home Insurance
Here is a useful guide to Home Insurance. Home insurance covers damage from incidents such as fire, theft, and vandalism to your house, usually adjacent structures like a garage or shed, and your personal belongings. It covers living expenses if your house becomes temporarily unusable.Home insurance, also known as Household Insurance is a policy designed to cover your home and if applicable its contents against the possible risks. If you have a mortgage, your lender will insist you have buildings insurance.There are two types of home insurance - contents insurance and buildings insuranceContents insurance is designed to cover your possessions if in the home in circumstances where you suffer a burglary or you have an accident where damage is cause...(related: Insurance)
How Much Renters Insurance Do I Need?
When obtaining renter's insurance it is important to put serious consideration into how much insurance you really need to buy. Some things you may want to consider when making this decision include whether or not you can afford to re-purchase everything in your home in the event that disaster strikes. You may also want to ask yourself what you would do if a neighbor slipped and fell on the wet floor in your kitchen and decided to take legal action against you.How much personal property coverage you need to buy naturally is based on how much your personal property is worth. An excellent way to assess ho...(related: Insurance)
Japanese Overseas Travel Insurance
If you are an expatriate planning on long-term residence in Japan you can, after a one-year stay, become a part of Japan's national health program. Until that time, however, you're going to need Japanese overseas travel insurance.Some of the Japanese overseas trav...(related: Insurance)
Who Else Wants To Understand Travel Insurance Policy Language?
Aren't all travel insurance plans basically the same?No. When you read travel insurance policy language, remember that as with any legal document, the definition of the terms is what governs the working of the policy (including payment of the claim).I create hypothetical travel scenarios for training purposes. This includes contacting our travel insurance suppliers' claims departments to see how they handle a given scenario.A common concern of travelers are Pre-Existing Medica...(related: Insurance)
Life Insurance Basics
One of the most important things you can do as parents is to ensure the financial welfare of your children in the event of your death. Life insurance is the best way to be rest assured that your children will be taken care of if you die. Although we never like to think of that ki...(related: Insurance)
Finding California Truck Insurance
It's very easy to find California truck insurance on the internet today. No longer does your search require numerous phone calls, faxes, brochures, going to the office and placing calls to (10) or so agents to find a decent California Truck Insurance quote.There is a certain amount of knowledge needed to properly provide accurate quotes and most agents don't develop the commercial insurance knowledge to comfortably work in that market segment.There are also a limited amount of companies that write commercial vehicle coverage so it does take a small additional effor...(related: Insurance)