601
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
601 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
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~