Telematics Changing Drivers’ Behavior: Insurance Research

November 18, 2015

  • November 18, 2015 at 2:17 pm
    Agent says:
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    Do the telematics devices detect when the 18-34 age group is texting while driving? If they did, the cancellation/non-renewals would be flying for them.

    • November 18, 2015 at 4:23 pm
      confused says:
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      you do realize the car’s computer can’t determine if someone is tapping away on their phone’s keyboard, right? you do realize that nobody actually plugs their phone directly into the car’s OBDII port, right? you do know how the OBDII port in the car and telematic devices communicate with each other, right?

    • November 19, 2015 at 3:06 am
      UW says:
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      This is a tough one for you, Agent. On one hand it makes premiums cheaper for good drivers which you bitch and moan about constantly, but it is data driven, which is something you have made abundantly clear you don’t believe in. It is also voluntary, and being used primarily by younger people, but your main hobby behind spreading discredited right-wing lies is screaming at Millenials to get off your lawn.

      Of course if people were texting and driving, it would show in random speed fluctuations, quick stops, etc., which the machine measures, and would drive up their premiums, but then you would whine that it was actuaries creating a fake pricing model, and say all data is fake, because nothing in reality exists in your mind if it doesn’t directly benefit you in an obvious way.

      • November 19, 2015 at 10:08 am
        SWFL Agent says:
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        My observations are that “texting while driving” is not limited to the 18-34 age group. Hopefully, new blue tooth technologies, talk to text/email, and apps like Voxer will help to eliminate the need to look at the phone and/or type while driving. Nice post UW. I’d add to it but it would just be piling on.

        • November 19, 2015 at 11:38 am
          Agent says:
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          SW, it is too bad that you and UW cannot understand sarcasm. By the way are you an Independent agent or Captive? You tend to lean left so I would bet you are a Captive losing business to Independents.

          • November 19, 2015 at 6:04 pm
            BS says:
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            I’m sorry, but I really don’t understand this comment. What does left vs right have to do with whether someone is an Independent or Captive agent?

          • November 19, 2015 at 6:57 pm
            UW says:
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            Don’t act like having your stupid comment obliterated and then saying it was sarcasm is going to fool anybody. From what I’ve seen it’s debatable whether you understand the definition of any word with more than 1 syllable.

            If it was sarcastic it would be conveying contempt, because that is the definition of the word. You have stated multiple times that you hate Millenials, so it would be hard to argue you don’t have contempt for them. On top of that, there is no irony there, which is how you express sarcasm.

            You literally don’t know the definition of any words, and I have never seen a single statement you make approach reality.

        • November 20, 2015 at 2:50 pm
          InsGuy says:
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          @SWFL: didn’t the NTSB just recently release a study they’ve been doing that concluded the blue-tooth or hands-free helps doesn’t actually make that much of a difference? You’re brain is still engaged with the device instead of the road.

    • November 21, 2015 at 10:24 am
      insurance_guy says:
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      Actually, research shows that adults text more than teenagers.

  • November 21, 2015 at 10:23 am
    insurance_guy says:
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    Insurance companies have always known about this fact. This risk-compensation theories works both ways, accidents have gone up with seat belts because drivers have a false sense of security.

    • November 22, 2015 at 5:28 am
      UW says:
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      That’s simply not true. It’s similar to, and largely driven by people like Rep. Trillo who spout this nonsense, and then when actually followed up on admit they cannot find the “statistics” they “quoted”. The studies that claimed to show this have largely been discredited, and due more to things like breath testing for DUI’s, and increased emphasis on reducing DUI’s implemented at the same time as the seat belt laws. The NHSTA reported in a study with a much larger data set that there were significantly lower fatalities/accidents after the implementation of seat belt laws.

  • November 24, 2015 at 11:12 am
    Observor says:
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    I have not seen any experience to see if drivers applying telematics outperform drivers without it. The challenge I see for smaller companies is if the experience is better enough to justify the cost of the technology. I would be hear from the producers if there happens to be a large demand for telematics or at least acceptance from their customers.

  • November 26, 2015 at 10:55 am
    Dmac says:
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    I came on this post to see how telematics work and am disappointed with the bickering. Can this info be used against the driver by means of non-renewals? I understand they many not be able to cancel a policy because of it, but non-renewals are just as bad.
    Also, is there a way to get a list of EXACTLY what the insurance companies track and how this info is used?

    Personally, I can see that it may help me become a better driver and like the idea of learning more about my driving habits, but I am concerned with exactly what is being tracked. Do you know how I can find this info out?

    • November 30, 2015 at 9:38 am
      Agent says:
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      Dmac, Progressive Snapshot is Big Brother personified. They track your starts, stops, when you are driving, how far. If they don’t like what they see, you get a rate increase and so much for the snapshot premium savings.



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