When 103 was first proposed in ’88 one of the icons of the industry commented openly that of the 3 primary rating considerations in 103…annual mileage had the least effect on loss results. (He’s also an actuary.)
The most ridiculous rating scheme was American States…long gone…they had something like 30 different mileage categories.
My personal feeling is that the safest driver is the one that is on the road daily…stays with the flow of traffic…etc., regardless of the number of miles he drives.
Would you rather have an 18 wheeler behind you driven by someone that drives 100,000 miles a year or 10,000?
I’ll be very disappointed if the Governator signs this insipid piece of legislation. If it does become law, I’ll just pay more premium and maintain a bit more of privacy. I give up on anyone with a piece of intellect being elected to the CA legislature. They dream up nonsense like his or just want to raise taxes to support the dredge that don’t want to be educated or work.
California is becoming a socialist state. With all othe problems facing California populace this is the best they can come up with. Anytime Insurance Companies are in favor of something watch out – because your wallets will become thinner. Next thing you know the CA Senate will be passing a law that the insurance companies can sur-charge because you sit in traffic all day.
Come on people. It’s about time that insurance companies get to enforce the mileage people drive. Today you can (and do) like about your mileage and don’t pay for fair share of premium. At least this bill allows insurers to verify your mileage.
As for tracking your driving, whether or not insurers put devices in your car, your on board computer will soon be programmed to track this info anyway.
What a great concept, track your mielage, your speed, and which roads you drive over to establish insurance premiums. Next? All of the above to establish how much you pay the state to use their lousy roads and the CHP for driving to fast on those roads. The good news, by the time California passes a budget I will be to old to drive and won’t care anymore!
Actually this could cause people to rethinl how prop 103 afects them, which could be good for us all. Most people arn’t going to want ANYONE much less the big bad insurance company in their private lives, but if you look logically at prop 103, a monitoring device of some kind is needed to apply rates. Betcha within a year, some legislator close to the 103 crowd will quietly try intorduce a billto take milage out of the calculation and all of a sudden we’ll be back to territory rating. As long as the prior approval and hearings are enshrined so that the 103 folks can keep their lavish earnings, they really don’t care. Mark my words.
I don’t get this. Insurance companies can’t use credit, or other “discriminating” factors such as where you live, type of area, age, etc., but it is ok to put tracking devices in peoples cars.
Let the CA legislators be the first to have the devices in their taxpayer supplied vehicles.
Does that mean that all those young computer geeks will sign up and then “hack” the system to show them driving 5600 miles per year instead of the
actual 18,000 they actually drive? It will also be good for all the 97 year old drivers who are horrible risks during their 9 mile per week useage (the crash is coming , eventually) but will pay way more than the 53 year old who drives 20,000 miles for 10 years with no accidents. How will Harvey handle that? Also have they figured out how to know who is actually behind the wheel when the mileage is tracking?
All just verbal and written mastur bait by our inept legislators trying to release massive budget build-up frustration presure. Anything going to The Governator before the budget will be terminated anyway. Where’s the Connors boy when you need him?
Well, since we’ll already have a device that transmits information we’ll just remove the key and have all cars start with coded chips implanted into your hand. Then you’ll only be able to drive the cars that are programmed onto your chip. No more driving your drunk friend home in his car (even though you’re not on the insurance policy), no more quickly borrowing Dad’s car because yours broke down this morning. No more worrying about who’s driving because they will only be able to drive if they are on the policy.
If you need to drive ten miles just to get off your ranch, and another 50 to get to the nearest store/gas station, and you are unlikely to see more than 10 other cars a day… you’ll pay through the nose for this milage rating. Don’t think they thought of us cowboys.
How dare they! what an outrage! why not just do the job in the first place? each year when the policy is up for renewel LOOK at the odometer… a live agent doing their job, a live customer being accountable…. what a concept folks. I will never submit to having my travels, whether for work or leisure monitored. PERIOD
This will be very interesting. I drive 70 mile rouynd trip to work, then 450+ miles every day, Mon-Fri in the company rig (18 wheeler). Are they gonna expect me to pay based to that kind of mileage. Don’t hold your breath waiting for the check. Illegal Aliens don’t bother to have insurance and neither will I
“addresses the dual goals of emission reductions through incentives and ensuring fairness in automobile rates as required under current law … AB 2800 would ensure true mileage verification and allow low-mileage, low-polluting drivers to pay less for auto insurance,” the association said.
The real reason for this is so that CARB has a way to add a polution Tax based on how many miles you drive.
Who gives a **** about the insurance company they are not the real reason for this. CARB has wanted to have this kind of a TAX for years but they know that there is no way it would pass without sneaking in through the sewer pipes.
First, it’s spelled AGENDA. Second, if you’re going to throw a quote in there, how about this one: “…Insurers back this plan because it will get their spyware into Californians’ cars…” They can monitor EVERYTHING from speed to distance to when and where I stopped? Oh, thank you Big Brother for keeping an eye on my unsafe soul. Another trick to use on unsuspecting motorists.
When 103 was first proposed in ’88 one of the icons of the industry commented openly that of the 3 primary rating considerations in 103…annual mileage had the least effect on loss results. (He’s also an actuary.)
The most ridiculous rating scheme was American States…long gone…they had something like 30 different mileage categories.
My personal feeling is that the safest driver is the one that is on the road daily…stays with the flow of traffic…etc., regardless of the number of miles he drives.
Would you rather have an 18 wheeler behind you driven by someone that drives 100,000 miles a year or 10,000?
I’ll be very disappointed if the Governator signs this insipid piece of legislation. If it does become law, I’ll just pay more premium and maintain a bit more of privacy. I give up on anyone with a piece of intellect being elected to the CA legislature. They dream up nonsense like his or just want to raise taxes to support the dredge that don’t want to be educated or work.
California is becoming a socialist state. With all othe problems facing California populace this is the best they can come up with. Anytime Insurance Companies are in favor of something watch out – because your wallets will become thinner. Next thing you know the CA Senate will be passing a law that the insurance companies can sur-charge because you sit in traffic all day.
Come on people. It’s about time that insurance companies get to enforce the mileage people drive. Today you can (and do) like about your mileage and don’t pay for fair share of premium. At least this bill allows insurers to verify your mileage.
As for tracking your driving, whether or not insurers put devices in your car, your on board computer will soon be programmed to track this info anyway.
What a great concept, track your mielage, your speed, and which roads you drive over to establish insurance premiums. Next? All of the above to establish how much you pay the state to use their lousy roads and the CHP for driving to fast on those roads. The good news, by the time California passes a budget I will be to old to drive and won’t care anymore!
Actually this could cause people to rethinl how prop 103 afects them, which could be good for us all. Most people arn’t going to want ANYONE much less the big bad insurance company in their private lives, but if you look logically at prop 103, a monitoring device of some kind is needed to apply rates. Betcha within a year, some legislator close to the 103 crowd will quietly try intorduce a billto take milage out of the calculation and all of a sudden we’ll be back to territory rating. As long as the prior approval and hearings are enshrined so that the 103 folks can keep their lavish earnings, they really don’t care. Mark my words.
I don’t get this. Insurance companies can’t use credit, or other “discriminating” factors such as where you live, type of area, age, etc., but it is ok to put tracking devices in peoples cars.
Let the CA legislators be the first to have the devices in their taxpayer supplied vehicles.
Does that mean that all those young computer geeks will sign up and then “hack” the system to show them driving 5600 miles per year instead of the
actual 18,000 they actually drive? It will also be good for all the 97 year old drivers who are horrible risks during their 9 mile per week useage (the crash is coming , eventually) but will pay way more than the 53 year old who drives 20,000 miles for 10 years with no accidents. How will Harvey handle that? Also have they figured out how to know who is actually behind the wheel when the mileage is tracking?
All just verbal and written mastur bait by our inept legislators trying to release massive budget build-up frustration presure. Anything going to The Governator before the budget will be terminated anyway. Where’s the Connors boy when you need him?
Well, since we’ll already have a device that transmits information we’ll just remove the key and have all cars start with coded chips implanted into your hand. Then you’ll only be able to drive the cars that are programmed onto your chip. No more driving your drunk friend home in his car (even though you’re not on the insurance policy), no more quickly borrowing Dad’s car because yours broke down this morning. No more worrying about who’s driving because they will only be able to drive if they are on the policy.
If you need to drive ten miles just to get off your ranch, and another 50 to get to the nearest store/gas station, and you are unlikely to see more than 10 other cars a day… you’ll pay through the nose for this milage rating. Don’t think they thought of us cowboys.
How dare they! what an outrage! why not just do the job in the first place? each year when the policy is up for renewel LOOK at the odometer… a live agent doing their job, a live customer being accountable…. what a concept folks. I will never submit to having my travels, whether for work or leisure monitored. PERIOD
This will be very interesting. I drive 70 mile rouynd trip to work, then 450+ miles every day, Mon-Fri in the company rig (18 wheeler). Are they gonna expect me to pay based to that kind of mileage. Don’t hold your breath waiting for the check. Illegal Aliens don’t bother to have insurance and neither will I
Read the below ouote VERY Carefully.
“addresses the dual goals of emission reductions through incentives and ensuring fairness in automobile rates as required under current law … AB 2800 would ensure true mileage verification and allow low-mileage, low-polluting drivers to pay less for auto insurance,” the association said.
The real reason for this is so that CARB has a way to add a polution Tax based on how many miles you drive.
Who gives a **** about the insurance company they are not the real reason for this. CARB has wanted to have this kind of a TAX for years but they know that there is no way it would pass without sneaking in through the sewer pipes.
First, it’s spelled AGENDA. Second, if you’re going to throw a quote in there, how about this one: “…Insurers back this plan because it will get their spyware into Californians’ cars…” They can monitor EVERYTHING from speed to distance to when and where I stopped? Oh, thank you Big Brother for keeping an eye on my unsafe soul. Another trick to use on unsuspecting motorists.