Let us create a 3D eBook for you!
Let us create a 3d Digital eBook for you! DigyCat.com

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


MORE RESOURCES:

Insurance - Google News

This RSS feed URL is deprecated

This RSS feed URL is deprecated, please update. New URLs can be found in the footers at https://news.google.com/news

California wildfires: New bills aim to ease insurance headaches - Santa Cruz Sentinel


Santa Cruz Sentinel

California wildfires: New bills aim to ease insurance headaches
Santa Cruz Sentinel
Last year's deadly wildfires killed at least 45 people and destroyed or damaged more than 21,000 homes and 728 businesses, according to the California Department of Insurance. One thing became clear to Dianna Gaines after comparing notes with friends ...
California lawmakers propose bills to beef up disaster insurance coverage San Francisco Chronicle
California Commissioner and Legislators Unveil Wildfire Insurance Bills Insurance Journal
California Legislators Propose Greater Wildfire Insurance Protection CBS San Francisco Bay Area
Santa Rosa Press Democrat  - U.S. News & World Report
all 15 news articles »

GOP to Use Children's Health Insurance as Lure for Averting Shutdown - New York Times


New York Times

GOP to Use Children's Health Insurance as Lure for Averting Shutdown
New York Times
But Democrats would still be left with a difficult political decision: withhold their votes unless the plight of such immigrants, known as Dreamers, is addressed and risk a government shutdown, or vote to keep the government open and fund the Children ...

and more »

Troubles Push GE to Consider a Breakup - Wall Street Journal


Wall Street Journal

Troubles Push GE to Consider a Breakup
Wall Street Journal
General Electric Co. GE -2.93% is considering breaking itself apart, a dramatic move that would mark the end of one of the oldest and largest U.S. conglomerates. The 125-year-old business, which was once the most valuable U.S. company and still employs ...

and more »

How To See The Dentist Without Insurance - NBC 5 Dallas-Fort Worth


NBC 5 Dallas-Fort Worth

How To See The Dentist Without Insurance
NBC 5 Dallas-Fort Worth
A dental savings plan isn't health insurance but it does connect you to a network of dentists who have agreed to provide discounts on their services. Consumer Reports says you can also negotiate with your dentist to see if they can offer you a lower ...

and more »

Enlarging insurance pool makes sense - Baltimore Sun


Baltimore Sun

Enlarging insurance pool makes sense
Baltimore Sun
Dan Morhaim for his continuing focus on improving the state's procurement processes to benefit taxpayers (“Pooling insurance makes sense for Maryland,” Jan. 10). Once again, he proposes an innovative approach to saving taxpayer dollars and improving ...

GE reignites break-up talk after $11 billion insurance, tax hit - Reuters


Reuters

GE reignites break-up talk after $11 billion insurance, tax hit
Reuters
GE said it will provide another update on its review in the spring. A decision could come then, CNBC reported, citing sources close to GE, adding that a breakup was “likely.” GE's fourth-quarter $11 billion charge includes $6.2 billion after tax for ...
At GE, $6.2 Billion Charge for Finance Unit Hurts CEO's Turnaround Push New York Times
GE shares dive after 'deeply disappointing' $6.2 billion insurance portfolio charge CNBC
GE renews break-up talk after $11 billion insurance, tax hit Yahoo Finance
Seeking Alpha  - Washington Examiner  - Insurance Journal  - Zacks Investment Research
all 277 news articles »

Oklahoma Says Farmowners Insurance Program Insurer, Rockingham, not Licensed - Insurance Journal


Oklahoma Says Farmowners Insurance Program Insurer, Rockingham, not Licensed
Insurance Journal
The Oklahoma Insurance Department says a farmowners insurance program being advertised in Oklahoma is not valid because the insurer, Rockingham Casualty Company, is not licensed to operate in the state. In early January, Rockingham Casualty and Edmond ...

3.2 Million Americans Gave Up Health Insurance Last Year, Study Finds - New York Magazine


New York Magazine

3.2 Million Americans Gave Up Health Insurance Last Year, Study Finds
New York Magazine
Volunteers provide free dental services to patients at the Remote Area Medical (RAM) mobile clinic on July 21, 2017 in Wise, Virginia. Photo: John Moore/Getty Images. Donald Trump and his congressional allies spent most of last year trying to push 22 ...
Number of Americans without health insurance jumped by more than 3 million under Trump CNBC
Number of Americans without health insurance grows in Trump's first year, new figures show Los Angeles Times
The number of Americans without health insurance jumped by 3.2 million in 2017 — and Congress could be to blame Business Insider
ThinkProgress  - KGO-TV  - Insurance Journal  - Gallup News
all 53 news articles »

E&S Exit: State Auto's Rockhill Sells Environmental Insurance Renewals to CapSpecialty - Insurance Journal


E&S Exit: State Auto's Rockhill Sells Environmental Insurance Renewals to CapSpecialty
Insurance Journal
“CapSpecialty is committed to offering our wholesale brokers and insured customers access to strong environmental coverage, and Rockhill's appetite, products and focus on small to mid-sized business are all well aligned with those of CapSpecialty ...

and more »

LargeFriends.com - the best dating site for plus-sized singles!
SuccessfulMatchCentral.com - the best dating site for plus-sized singles!

PreLaunchX

DigyCat Domain Is For Sale - $105,000 For Enquiries eMail Us

© www.DigyCat.com - 2012

home | site map | links