My premiums are much less now than when I was getting tickets in the 90s/00s. Haven’t had a ticket in 9 years now, and the one before that was 7 years prior.
@@trentvlak Indeed but I don't take my phone everywhere and it goes into a faradaybag every night at bedtime. I'm not saying turning off your location is the fix but it's start for sure for he average Joe.
that's how insurance works clown. if people who only had insurance they got into accidents the insurer wouldn't be in business. I know it's hard to understand
I can’t believe that Steve made it all the way through this video and never talked about: What if you’re riding the Bus, or Train.? What if you’re friend or relative is driving? What if the cab driver is driving like a maniac? My rates are based on that? Sounds like a class action suit waiting to happen!
I am a first responder, I have to carry my phone with me at all times because that is how i am notified. Driving an ambulance like a mad man in the city would be sounding all kinds of alarms for the insurance company.
I was a paramedic for 15 years...what ambo company requires you to use your personal phone for job related notifications? Also, most companies have due regard limits ;-)
This is why I have a dash cam that doesn't have internet access, just a micro sd card. Literally saved my husband when he had an accident by showing the reckless driving of the truck he hit.
I was stopped because the officer said “his partner saw me talking on my cell phone,” I said “no he didn’t,” and proceeded to get my phone that was inside my ZIPPED purse on the floor of my passenger seat and showed my call log. No calls since Saturday, no texts since almost an hour earlier. He then proceeded to question an app on my phone, it was a PERIOD DIARY!!! To keep track of my damn ovulation so I could hopefully get pregnant! He didn’t believe I hadn’t spoken on the phone in a few days, and was, in a roundabout way, accusing me of something because the app was labeled as “P.D.” It was also pink and purple with a flower on it. 😂 I WISH I hadn’t showed him shit!!!! I would never do that again. Just take the ticket and show up to court with my records.
Well I don’t have the problem millions of Americans have. I drive an e-bike that can take me just about anywhere. No insurance needed and honestly I don’t have a car. I use Lyft when going shopping or dining.
A friend had one of those devices. He lost his "discount" because he stopped to quickly and swerved to sharply one day. He literally had to emergency stop, swerve into the median to avoid a drunk driver who ran a stop sign, turned in to on coming traffic on a divided highway. The semi behind my friend did not get completely out of the way. It cost my friend an extra $20 a month because he avoided the accident with an uninsured drunk... This tech is a scam to make the insurance more money.
Insurance companies are the WORST corporate entities ever formed. Their actuary tables they use are BS, and they just steal our money. I am 61, I have had one ticket and one $800 claim in 30 years, and my insurance rates have risen drastically.
Because statistically, as you age you are more likely to be in an accident. Just like risk is greatly increased when you are a young driver & pay for higher rates. Men pay higher rates than women.
Ever got a cab ride in Philadelphia? If the insurance companies had their way, that would be grounds for immediately doubling your rates. If you ever work with large mega companies, you quickly learn most are a facade of caring about customers, but are actually vices to squeeze every penny out of the customer (especially is customer is another company).
I am so happy that someone else is having this concern. I fought with Allstate, when they first had their DriveWise program back in 2013. I was called paranoid, conspiratory, and every other name in the book (the same way I had concerns about identify theft in the early 90s). I tried their program for a month, and I looked at the data that they would share with me (which was extremely limited), but there were "assumptions" made. I had a small light vehicle, that had a manual transmission, so every time I decelerated and down shifted, it was considered a "Hard Braking event" and therefore was counted against me. The rate of deceleration was a static value, but had ZERO type of consideration for the vehicle being driven (my Altima would decelerate/accelerate quicker than what my Ford Expedition would, just by the inherent nature of the vehicle [read: weight, size, etc. - ie my Expedition could not decelerated at the same rate that my Altima could, even with a 4-wheel lock up). I fought long and hard with AllState, to see what data they collected, how it was being used, what sort of considerations for different vehicles were taken into account for assessing the rate (or as they framed it, "discounts"). They assured me that the developers of the program themselves were drivers themselves, and therefore would not do anything unscrupulous with the data, or their algorithms. They also tried to re-frame that I was not getting penalized for working a night shift (making my "safe" driving hours outside of their pre-determined "safe hours" - I'm sorry, less cars on the road = safer driving conditions.) "You are not being penalized, you just get a reduced discount (sounds like a penalty to me) and wont affect my rates as they are already established when I first got the policy - they would not answer the question if it would impact my rates at the next renewal or not. I viewed that non answer as confirmation that it would be used to charge more. Needless to say, I dis-enrolled with their DriveWise program, and ultimately switched insurance carriers. Privacy laws need to be tighten, and sharing of information needs to be stopped. Privacy is about having control of your information, who has access to it, who uses it, who it is sold to, and the ability to withdraw that consent - sadly i fear that is long since past.
I had same experience with American Family. They were rating my home value about 25-30%, too high, causing me to pay that much higher in the annual premium. An attorney suggested I request a copy of their calculation of property value. I did, and they refused!
Yeah they considered that information as proprietary or that it falls in the classified (for lack of a better term). I have my village assessing my house at 1.5 to 2x it's value, and every year we go through the 4 step appeal process before the relinquish and do the market value. It's very sad as they got you kinda over a barrel...all they do is say denied, where you have to provide the evidence and do the research.. essentially, they waste your time, while the reap the profits and all they do is a is just deny 4x.. bloody rigged system.
@@td67gto18 that’s weird. I’m in Florida and part of our deck page has the replacement value. One can accept a lower value (to a point) and they will reduce your premium. Just a little, lol.
I wonder if insurance employees get discounts or do they get rheemed like everyone else. Why be an employee of the insurance company if they get the same treatment as the customers.
I saw one video where a guy signed up for the voluntary monitoring because he's a safe driver. After a month, he found out insurance considers him a high risk. As he explained it, "I live in the NYC metro area and gosh, I had 8 incidents of hard braking--Yeah, because NYC drivers suck, not because I do!" Which points out this is absolutely NOT a measure of your driving skill. It is simply a measure of how often do you brake too hard for their liking or accelerate too hard or go 15mph over the speed limit because that's what EVERY other car on the highway is doing--try driving the speed limit on the DC beltway and you're far less safe than going with the flow. The analysis software doesn't care about any of that.
Unfortunately, I fell for the same thing when they first began. I lived where there were multiple traffic lights on 55 mph multi-lane roads that had insufficiently timed yellow lights. Basically, you could not slow from the speed limit in the time the light gave you without triggering a "hard braking event" (they were a problem and a contributing factor in a lot of crashes, they've been subsequently eliminated). I think I had over a dozen in the first month of using one of those damn things...
I am that person going 55mph on the Beltway in the far right lane, with people swerving into the exit lane to pass me at 90mph then swerving back in front of me. Who exactly is the unsafe driver in that scenario? Is it really me?
This doesn’t even follow the studies done by DOT’s. Slow drivers (compared to average speed of the highway) are significantly MORE likely to end up in a crash than speeders. The variance per MPH is somewhere in the ballpark of a 2x multiplier. Not twice as likely to be in an accident, but twice as much of a risk change.
I've had my driving monitored by those apps at my job. I actually get to see the driving reports for transparency and they are laughably bad. It penalizes you every time you stop at a stop sign. Calls it a "speed deviation". Every time it switches service towers, it locks your gps speed until connection is restored. It dings me for driving 65 through a small town because there's no cell service there. I've also had it say I was driving 999mph too lol. It also penalizes you for avoiding crashes
Sounds far fetched. Insurance companies do this to determine rates. Not to give everyone bad rates. If they wanted to do that, they don't need an app as an excuse. Also, they don't want to get rid of their safest driving customers due to bad readings. That isn't good for business, and that's all they really care about.
Whats worse is, these things likely can’t tell if you are on a bus or a Acela train, or a subway, or part of a commuter car pool. So the insurance company is changing your rate on things they don’t know.
It's their rate. They can make it whatever they want to for whatever reason. The insurance company is looking to give the lowest price to the lowest risks. Their method of determining risk will never be perfect, since it's impossible to predict the future. If some of the data is bad and higher rates get assigned, it's just the cost of statistical probability that has to be taken. You're making the assumption that rates should be "fair". That isn't how insurance works.
They know, believe me, mine knows when i travel on a plane, or a subway. However when i rent a car, or use a ride share, it doesn’t, so I have to manually change it to passenger.
I know a few people who have fallen for that safe driving device. None of them got the discount because of 'poor driving practices'. No crashes, no tickets.
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I'm a victim; State Farm to be exact. And that rubbish thing penalizes you if you have a 'braking event'. Phoned them up asking about it and the gist of the explanation was 'if I have to brake hard like that then I may be following too close' My (passive aggressive) response? 'Understood, I'll just slam into the back of someone who cut me off at a moment's notice then. Or run over the deer that leapt out from the bushes 😊' The guy went silent on me. Not sure if he was dumbfounded in the moment and/or aggrivated with me. 🤣
After a search that rivalled the one for Amelia Earhart I found a plain vanilla full size pickup year 1999. Needed some work but way cheaper than the overbuilt, overcomplicated, overprices they want you to buy now. And it won't spy on me.
Yup, me too. A phone is for talking so I got a flip phone that only does that. And for directions, I have an old Hagstrom paper map to look at. No charging necessary! LOL
I drive a lot for work, use my own car & get paid for mileage. Employer changed from manual entry for mileage to a phone app. I used it once, and realized it was tracking my speed, braking, time at stoplights, did I drive outside of my lane, how many stops I made & how long I was at each stop. In addition, the default of the app was to track everything. If I turned off a feature the app would turn it back on automatically. So I told employer, it’s my personal car, I don’t want to use the app & now I’m back to entering mileage manually.
I’m a truck driver. I guess I’ll just keep it a couple mph under the limit for 400 miles every day and anyone watching will think I’m the most responsible driver ever! I get paid hourly so this could actually increase my paycheck 😂😂
I warned of this when State Farm first came out with their little device. Look folks is simple. Never ever ever never trust an insurance company. EVER!
one of the nice things, is that it has to be just as easy to remove consent as it was to give consent in the first place. So none of the yes thank by clicking a button in the app and a damn snailmail letter to withdraw consent
My mom was about install an analog tracker from her auto insurance company for $50 off a year. I warned her right away that it is possible they will track her speed and other driving habits and make her pay a bigger premium next time she renew. She threw that thing away right away.
I'm an emergency medical services supervisor. So for 12 hours per day, I'm driving code-3, while responding to medical emergencies. We don't drive as crazy as they do in the movies... but our policy does allow us to drive 10 to 15 mph over the speed limit, and I sometimes make hard stops and quick corners. On the other hand, when I'm in my own vehicle, I drive extremely slow and carefuly. I don't even like driving on the highway. I think it's pretty crappy if I'm being rated based on how I drive my work-vehicle while responding to cardiac arrests and gunshots.
And imagine state troopers and officers in pursuit or in response to the same events. A car drives faster than something shaped like a brick. Simple physics.
There is something really awesome to this comment , and that is well the fact that you as an EMS provider and Emergency vehicle operator share a very common tale of how you may drive at high speeds and in maybe some questionable way at times to save lives , and then while off duty you tend to drive under the speed limit and a bit over cautious . Yet though it is a common tale it is a true one and a valuable one , you have seen stuff daily that many will (thank god) never see and you know the need for safety , on the job you get some tunnel vision when the call for help comes in that too is natural and every EMS provider wants to be the first one there and fast . I have known a number of cops in my time as a Firefighter / EMT / First responder , most of them tell the same tale about driving .
I had Hartford and downloaded the app. I was pretty darn proud of my consistently high scores (an occasional 92-93; mostly 96% or higher) I've been driving for 54 years, I'm accident-free, no tickets or violations in the past 15 years plus, and I drive about 3000 miles a year. When my six-month renewal came along...my premium went up over $400 a year! Dropped them -- and their app -- like a hot potato.
@@wesleyhoward5599 That is no longer true. Adobe, Microsoft, Samsung, Apple, many car makers, and many other corporations have odeous EULAS on their paid and often very expensive products. Not only do you have to pay a lot for their products but they claim ownership of your data too.
I actually avoided an accident, that evasive maneuver resulted in an increased premium. I ACTUALLY AVOIDED MAKING A CLAIM - BUT THEY INCREASED MY RATES.
I got a rate hike for 'multiple hard stopping' to avoid large animals! in a 60day period I missed 5 deer and a loose cow from the pasture on one road. :( country roads are dangerous even w/o another driver for miles!
I plugged one of those things in my car because I drive less than 100 miles per month and kept my 100% discount (zero hard braking, zero jackrabbit starts) each of the three 90 day periods up until the final 10 days when suddenly the plug-in from the insurance company stop responding and I had to get a new one. After the 3rd one failed in the final week, I told them to forget it.
I remember some of my high scool class went on field trip to the Soviet Union, and in their hotel rooms were devices hidden in plastic plants that looked like they might be microphones. A decade or two later I heard the word that Soviet citizens were allowed to remove these devices from inside their homes and public places, and that during the removal process many had cracked those things open to see if they had any guts, only to find them empty. The Soviet people had lived whole lifetimes believing the government was spying on them and able to hear everything they ever said. It turns out it wasn't technically and financially possible to bug everyone everywhere. You would need one person monitoring every few mikes. That's at least as many citizens as there were being spied on! Now here we are. We have miked ourselves. We bought the bugging devices, voluntarily carry them on our persons and even subscribe and pay for the muliple services that spy on us. The fear of living in hell is just gone.
And we have computers to analyze the conversations of everyone everywhere. We no longer require the level of human monitoring. Only the conversations the computer analysis deem to require human scrutiny are passed on for this.
Im a software engineer, I run a de-googled phone that only allows certain special apps I've vouched to even run in the background. I drive a 20yr old vehicle for this reason too. I've been called paranoid by friends, despite knowing far more than them about anything technical. I love being right, might as well sit back with a bag of popcorn and enjoy the show. People really need to understand that all the data being collected on them lasts forever, and can be used against them at anytime, and eventually by anyone.
You “love being right” about people being tracked? Aside from that REALLY weird statement, I wish somebody cared about me enough to track me as much as you think they want to 😂
The biggest problem with these apps is that they can't tell if the person is actually DRIVING. A person can be getting a ride from a family member or a friend or even taking transit.
There should be legislation stating that if your information is sold you get 100% of the proceeds of the information, as well as can choose who it can be sold to.
No one would sell data if if they get 0%. At the least, you should be informed of who its been sold to and for what amount. That seems like the minimum for what would be fair.
@@Moosetick2002 that's the point I am making. They can collect for their own purposes, but if they sell it you are entitled to 100% of the profits. Or something equivalent to 100% of the profits. Or some mix of the 2.
There actually is a bill waiting to be voted on for data privacy. We gotta pressure our reps to take that up. We should have FULL control over our data & decide if we want it sold at all.
Why are people so concerned about the money? Is it just some kind of fear of missing out? Or some kind of entitlement like they are owed something in life?
Insurance companies are also monitoring Carfax from your service records you recieve from the dealership. They are monitoring the mileage and raising rates for miles you drive.
so true! I had my policy based on 7000 miles a year when I bought my car in Sep 2023. In Feb 2024 I went to dealership to get my free oil change, I didn't have any other service with the vehicle and when it was time to renew my policy in May 2024 I have received updated premium and it was saying in disclosure that my updated rate is based on estimated yearly mileage of 10126 miles (exactly this number) and now I pay $20 more every month.
The idea that insurance tracking your driving habits is good for the consumer is devoid of reality. The tracking is used by insurance companies to protect the company from having to pay out claims or to increase your rates on any random garbage they can point to, including 'unsafe driving' according to the tracking. Edit: Also I'm getting sick of hearing companies try to defend themselves saying crap like 'we don't sell identifiable information'. The entire point of selling the data to the insurance companies IS to link it to a potential customer of theirs and they are doing it somehow.
Insurance agent here the data is quite likely anonymized the reason they would buy it would be to refine their proprietary telematics progams to try and make sure they are more accurate/competitive then the competition. also i do say this with me saying 100% that i will not sign up for a telematics program with an insurance company, i like to have fun when i drive and there are times and places that it can be done safely but those apps are only gonna see wow your drifting around this corner or wow you really slammed on the gas there and accelerated faster then we like. f that noise.
Eventually they will just charge everyone more unless they install these devices. It's similar to how TH-cam is relentless about spamming the dumbest most annoying ads ever in an effort to strong-arm us into buying TH-cam premium.
There is an option in Android that can be enabled to turn off sensors. It's under the developer options. It makes all of the acceleration and direction sensors turn off to disable this kind of tracking.
@@SolaKnitez53 Yes, the statement "my weather app is tracking my driving" is completely misleading and trying to push a narrative. The weather app has access to your GPS in the device so you can find weather related to your location. You often don't even need to give the app this permission. It's just annoying because you'll then have to zoom in wherever you happen to be on the map to see local weather. Or search the zip or something similar. It has nothing to do with driving. However, the data may be valuable to certain analytics companies and if the app developers can sell that information, they would have more money to improve the app and continue offering the service (possible for free in a lot of cases). This would be the only link to driving, but it's not direct.
The other scam by insurance companies is to offer you roadside assistance as part of your policy. After 34 years with AAA- I went with State Farm ; bundled our homeowners insurance and 5 vehicles. At the end of the year, our rates were 3 times our original rate. We hadn't had an accident or. claim. Their explanation was that since my husband had a car issue that had him towed twice in a month- those were considered claims - so that affected our homeowners insurance ?!? WTH?! NOW, back with AAA and separate auto and homeowners insurance.
You're 100% correct. NEVER have roadside assistance with your auto insurance. The tow claim (or any roadside assistance service) will show as a claim in ISO,(nationwide insurance database) which every insurance company in the United States uses, and the roadside claim will remain on your record for as long as you're alive. I'm a long time recent Geico claims investigator fyi
I am sick of companies and the Government snooping on us ! Americans are supposed to have privacy and they know it ! We need to have one big lawsuit against our Government and these corporations !
@@lovly2cu725Do you have a cell phone? Does your car have Internet connection. Like Steve said and every other professional privacy advocate says, if you're connected to the Internet and/or have a cell phone (handheld computer) with you ,even if it is off (look it up) you're being tracked. And because your personal info is linked to a device, your personal info is there. And for sale.
Every modern communications, your electric meter, your WiFi, your phone, your computer, the scanner at the stores, your medical data, and of course your banking activity. It all goes in government and private finance “brokers” computers. If Nvidia is up in the stock market, 📈 then the “surveillance” chips are increasing. The whole capitalist system is now focused on using every individuals data, every man, woman and CHILD. No privacy, nothing sacred, no constitutional rights, and our Supreme Court backs these violations of our homes and our persons, as do our political operatives bending over to lick the boots of finance’s conglomerates. Congress’s dedication to money as their sacred touchstone of immoral character in modern civilization.
It's embedded in the core AI programs and isn't going anywhere. It's too profitable. We are here. This is dystopia. What you can change is how you use the apps, or not. I choose not to use the android apps. I do like YT though.
Nothing is going to change, your only option is to become technologically literate and fight it in ways that will work. Step one is moving away from smartphones registered in your name through your cell company. Step two is getting away from Google/Alphabet, Microsoft, etc. Wait till you find out what Copilot is doing. "In FOSS we trust."
I have for a long time thought there should be a federal law requiring all companies that keep a data file on you to provide you with a yearly notice that they have the file, access to a complete and full copy of that file in plain English and a complete list of everyone who has had access to that file. I know it will never happen because our corrupt politicians are in the pockets of the corporations, making money off our personal data.
California has laws forcing companies to delete your data if you request it and they do not allow auto insurance companies to charge you more based on any data collection.
people act like politicians solve the worlds problems when they all cause them. tyrannical leaders have not once been good in the entirety of human history
@@nomercyinc6783 yeah but most local leaders in the US (except some of these red states w/ draconian abortion laws past two yrs!) are not tyrannical. So use your terms carefully.
YES!! Phone listens. My neighbor came over to take photos of a bat on my house. His wife and I talked for a minute. THE NEXT day there were 3 articles on the news feed of my phone about bats. !!!!!!!!!!!!
I was looking to get my brother who lives in Florida and didn't send a Christmas list a gift card to a local seafood restaurant. I decided to buy him a box from omaha steaks. I kept getting ads from both places for awhile until I went to another site for something unrelated. I started getting ads for that place.
No speeding tickets ever. No DUIs, no tickets of any kind--not even a parking ticket in over 45 years! I am no longer driving because the stupid insurance company just raised my rates YET AGAIN! Cheaper to have someone else drive me around now, much cheaper!
Once I dropped my phone in my basket of wet laundry and accidentally put on tumble dry for half an hour. My insurance skyrocketed for being involved in the world's longest vehicle roll-over.
Software engineer here, worked for many insurance company's though out my 35+ career. I have never seen any reductions in actual cost of insurance. Most of the time, if you have tickets that puts points on your license, you will have to actually switch insurers to reduce your cost, but only after you points come off.
I changed insurance companies a few years ago and was tricked by being offered a low rate. Once I agreed I found out that they would be tracking my driving habits and was required to download their app. I was pissed that they didn't tell me this prior to me signing up but I went ahead and took the bait. A few weeks later I flew from Colorado to Boston for a week. While in Boston I took a hop on hop off tour of the city later to find out the app tracked all activity from the tour. I did end up going with another insurance company but now I make it clear that I will not participate in using their apps. This is a total invasion of my privacy. I've kept a clean driving record for the last 35 years along with a 800 plus credit score. This is all they need.
Some insurance companies have drones and spy on the homeowners . They ook into people's yards to see what is in them and how the homeowner maintains his/hers properties.
Tim Hortons got in shit up here in Canada for tracking people down to the level of when they entered and exited a competitor's store, and all we got as compensation was a free coffee and a sandwich. That's what the Canadian courts have decided that our privacy is worth up here.
The thing is, virtually ALL phone apps use the same, basic template. This template can access location, acceleration, ambient temperature, phone logs, messages, contact lists, app list, calendar, and even the camera and microphone. App developers merely tell the template which data to collect, and how to use it. It's all laid-out in that "I Agree" BS. This is true, even for apps that you would never suspect, like "Horoscope" or "Flashlight". I have been warning folks of this for 10 years or more. They have flatly refused to listen, and even call me "a conspiracy theorist". I'm glad to see that someone is finally bringing this to light. Ditch the "smart" phone!
@@robertcambareri1028 Dosnt have to be. The address where the card is used is bundled with the transaction. If you use your card online, they can also bundle user agent data and your IP address. Personally, I'm not all that worried about certain types of tracking but some out there are super paranoid about any form of tracking.
@@robertcambareri1028 no, but if you pay for gas in minnesota, anyone with access to the data will know you were at a specific place in minnesota at a specific time.
One of the best ways to fix this is to register with information about someone you know but don't like as much. For example Gas Buddy thinks I'm my friend who votes for this kind of control. Always think about corrupting the data instead of just avoiding it. Anytime an application asks for your race or gender, choose something different every time.
I just had a very similar conversation with my daughter who started getting cold calls after downloading an app. The way I explained it was - unless you read the disclaimer from top to bottom AND understand every word you must assume you are giving full access of your phone to that app. History, photos, location, microphone...everything. Her response was why would they want access to that stuff, it;s a shopping app? My response was so they can sell it. That really is what it comes down too.
Even if you read it top to bottom the language is so deliberately broad that you still have no idea what they are collecting or sharing. It is astonishing to me that courts have decided that these terms are enforceable.
I've had this conversation with friends and family and I am amazed at how nobody seems to care. The typical response is "who cares, I'm not doing anything illegal" or "I'm too boring for anyone to keep track of me." When I ask do you really want some corporation to know your every move they don't care. What is wrong with people? Get rid of apps and leave your phones at home more. Also, how don't they know I'm driving as opposed to riding in someone else's car?
That’s the same argument people were making with the traffic cameras. “Well if you’re not doing anything wrong, you have nothing to worry about!” 🙄🤦🏻♀️ They really just don’t get it!
2014 I used Progressive-Auto. They gave me this device that I plug into my OBDII connector. It was supposed to reduce my insurance. But my insurance stayed the same. And it beeped every single time I braked. The beeping was supposed to notify me I was braking wrong. But it beeped whether I quickly but evenly/smoothly came to a stop, or I took my sweet time and started braking 200ft in advance. Eventually *_THEY_* cancelled my insurance cause I guess they didn't like the data it gave them. I was 19. Been driving 3 years. But the device in hindsight was more of a black-box. To record the final moments before a wreck so they can deny any and all claims and not do the job you pay them to do. Never again.
100% true - we need consumer protection laws around data collection ASAP All the grocery stores are collecting your data via a code that you voluntarily input at the register so that they give you the regular price on your groceries…
@@patriciaraymond7839 California is one of the few states that got in front of this whole mess with the rights they gave individuals to have their data deleted upon request. It’s not nearly enough, but it’s at least SOMETHING. As it stands, companies will literally refuse to delete your data unless you are a resident of California (or one of the other few states that are slowly adopting policies around data retention) How do I know? I asked a company (that I worked for) to delete my data, via the request option that was listed on their web portal. They rejected the request stating that I did not reside in California so the policy did not apply to me.
@@patriciaraymond7839 not at all! Biden admin has been discussing this, unlike ANY single GOPer in congress or anywhere at all. As usual, GOP/repub's are the hotbed of corporate america! Same as it ever was!
Thank you…I just deleted My Radar off all my tech. This is way too much. I truly do not understand why we as a society let this go on. I don’t think I’ll live to see it but maybe one day it will go back to “We The People” instead of “We the politrickians and rich”
@@petervanderveen2340 I’d like to think we r more educated and maybe just tired of living under others thumbs. I do c another civil war happening and not due to race problems but because of the living conditions and social conditions.
@@dand2334 Thank u for this info. Not that I drive crazy or do anything wrong I don’t trust apps that sell ur information and have gotten rid of most that I truly don’t need. If they sell it to insurance companies they’ll give it to the government. As a Soldier for 28 plus years, I don’t trust our politrickians or government organizations. I served for my fellow countrymen. I’ve been a part of and witnessed the lies and corruption they spew. There are far too many Americans who put their trust and faith in the leader💩 of theses POGS but are either ignorant (not knowing) or just flat out ignore what’s going on around them thinking it will get better. I guarantee u that insurance companies aren’t the only ones getting this information. Knowing some of the things I know if I could go off grid I would. And yes, this old Soldier is looking for about 5-10 acres of land to do so. The selling of personal information should be one of the first things u read in normal bold print instead of the last thing u read in minute print. Just an old Veteran’s thoughts.
Sorry, this is going to be a little wordy. When I moved states I had to find a different insurance company. Found one with the option to save money by installing one of those driving monitor devices; I had refused to install an app on the phone. I consider myself a safe and passive driver but I got dinged a few times for what the device recorded as a hard break. I caught on quickly and would much slower then usual or necessary approach a stop sign, intersection, turn etc. I gave up pulling over to let faster cars pass because the turnout lane was not long enough to accommodate the long and slow process to come to a full stop that the device required. Thankfully I live in the country so there are not too many traffic lights. In a big city you would get dinged for a hard break several times before work and then again after. The thing in the country though is that we have lots of deer. I may have to reduce speed or even swerve a little to avoid hitting the deer. And don't get me started on the pothole swerving necessity. Driving after a certain time on the weekend would also automatically get you dinged. So if you are living way east and decide to go on a road trip west bound, either stop driving quite early in the evening or get dinged. When my insurance came up for renewal I send the device back and was prepared to have to pay more for insurance. The peace of mind right after was amazing, I drive normally again and not totally paranoid what could get me dinged this drive around.
Oh, the app magically knows if your brakes were 'slammed' due to being cut off in traffic by another driver, an animal darted in the road, avoiding debris in the road, or evasive measures to avoid an accident
actually it does, because it uses sensors and radar. It can also hook up to your car's computer. Google maps knows exactly what you're doing behind the wheel.
Steve, the law needs to be much more than just being clear about what data is being gathered or sold. It should require that EVERY app have a "Tracking Opt-Out" option as well as a "Do Not Sell Data" option.
The worst thing the gov did some years ago about privacy was to insert the "OPT OUT" provision. You should not have to opt out, you should only have the ability to opt in with very clear written contract not over 200 words long, in bold type, on one page and with the ability of a 3rd grader to read and understand. I use this idea from the US ARMIE'S training manuals for the common soldier.
According to my auto insurance company (geico). My rate is determined by the way other people in my area drive. My rate has gone up over $75 in two years. My driving record is spotless.
@sewerrat7612 Yep. Many years ago a rep from Progressive told me that the intersection where my apartment complex at the time was prone to a lot of accidents especially left turns. So I had to pay an extra $100 a year just for that. SMH
Yup. I have Farmer's discount driving app, and I took a ride on my MC and oops! I was " driving distracted" and "Driving making hard stops" etc. Forgot to go to Airplane mode....never again.
This sucks if it’s true. I’ve had the annual membership for two years now for hurricanes… Going to do more research on this before I cancel the subscription and find a replacement.
This is going to be used to invalidate insurance when people make claims, "its part of our terms that you will not break the law while using our insurance, but 22 hours before the claim incident we noticed you doing 61 in a 60 mph limit so have cancelled your insurance effective at that time."
@@Randytrevorson420 Do you have their app on your phone? I just deleted it on mine h F that! Are there other companies that Geico is in cahoots with that sells your personal location and travel data to Geico?
I actually kind of like that approach as long as it is fully disclosed and might voluntarily sign up for it - or even demand it. The only fine tuning on that might be that when the "infraction" is unrelated to a loss that the discrepancy has to be much larger (e.g. 80 in a 60) and there has to be some way to triangulate and confirm the validity of the discrepancy if it is going to be used to cancel my coverage. I'm a big proponent of nailing people for using their cell phones or doing other stupid stuff while driving. There have been three very satisfying occasions when I have observed an a-hole doing something stupid then, when I have found them pulled over by cops ahead - presumably for speeding or something - I have pulled over myself and politely waited for the officer to step over so that I could discretely advise him that I had observed the driver being erratic, possibly drunk, but definitely on their cell phone, eating food, and being generally a danger to themselves and others on the road. On one occasion, in the case of a particularly annoying person, I advised the cop that I think I saw the driver brandish a gun at a pedestrian back about a mile or so and that I felt it was my duty to at least warn the officer in order to head off any violent outburst by the possibly gun-toting motorist.
Well now that one mile an over the posted speed limit can be easily be contested in a local or state court of law and bring scunion on an insurance company quite easily because Federal and State Mandates in the Vehicle Codes and in a court of law states that there must be an allowance of plus or minus X amount of miles per hour based on a OEM speedometer calibrations both at the factory specifications and the taking into account the wear and tear of the instrument and associated speed sensing gear onboard. Some states last time I checked back in 1999 was around +/- up to 8 MPH and this was also in consideration with the use of even digital speedometers. Some states like Virginia, State of Washington, Connecticut, perhaps even Missouri and Georgia will tend to zap you with a ticket for 1-5 MPH over the speed limit which is absolutely ludicrous and it's all about the Revenue Stream of income coming into the state. Yet if you are federal property as well, they'll zap you for about 5 miles over if not for less and this makes for a ticket that supposedly you will not be able to contest! But now it's all about whether you do your homework in knowing what your state and local laws read on the books and also knowing what your rights are! And so if you were to try and present your findings in accordance with said laws and present them in a respectful way in front of a judge, well then this could end up most in your favor and get the so called offense dropped all together! And as for the insurance company that should all of a sudden decide to drop you as a result of a very, very, very small infraction, just report them to your State's Attorney General's Office and the Insurance Commissioner's Office for review and they could very quickly tell the insurance company where to step off and perhaps fine them for such conduct OR maybe tell an Insurance Company to pack their bags and leave the state altogether for totally inappropriate business practices if they received entirely too many complaints in regards to the public and doing outlandish things that are not copasetic with the State Licensing Board and the agreements thereof! I've had some speeding tickets back well over 25 years ago that I had to deal with and so long as you present yourself in an appropriate manner in front of a Judge and you are not just trying to skate out of a ticket just because, you should do fine in court. A judge may however so decide to reduce the fine of you ticket instead of tossing the a speeding charge completely out! These sorts of things are really dependent on the Judge's decision. If you are there to completely annoy the Judge in the first place, you'll be on the losing side and if you are respectful and cite what the circumstances that you were possibly caught up in, in the first place that led up to getting that ticket , well then things may go your way in the decision outcome. And, in some circumstances, it doesn't hurt to apologize when you were in the wrong either!!
What people don't seem to know is that you don't have to be at fault in an accident for it to increase your insurance score. In my case, my vehicle was totaled due to the combined damage done in two separate accidents, neither my fault. The insurance company paid me what they said it was worth before the accidents. The insurance company then raised my rates by a factor of 4. $400 to $!,600 for 6 months. Their reason was I had a high insurance score! Another reason why Michigan's no fault insurance scam is no fault in name only and is just the opposite of in application!
Here is some food for thought I was told by an insurance agent that say for instance you live in an area and your State Farm and you have over 2000 State Farm members in your ZIP Code for each time anyone of those members have an accident everybody else pays for it. That’s why the rates increase and change all the time. So you’re paying not just for you but what other insured members in your zip code have accidents. That completely pisses me off.
Insurance companies went woke many years ago. They don't use actuarial tables. Why? because certain people who live in certain areas and are on welfare and have criminal records commit almost all the crimes, DUI, crashes etc. And the rest of us have to pay for them. It's "Welfare Insurance" paid for by good people.
@@FP65 Yah, but since the average IQ has fallen quite a bit, and the teacher's union has destroyed education, the average person loves woky stuff and black washing with imbedded cigarette and beer commercials like Netflix does.
That's the excuse Progressive gave for the huge increase in my premium. I argued that I have not had a claim ever since I signed with them. But it's what other drivers have done that's increasing my rate. Smh. When the government made insurance mandatory they made us sitting ducks for disadvantage. Sounds like allowed robbery to me!
Im sure the govt invented or approved this technology so i can guarantee they are banking off it one way or the other, mainly the nation wide scam they created and called insurance
Private investigator tip-- if you're not expecting a call but ur phone travels with U, put it in either a Faraday bag or a small Biscuit/Cookie tin like one of those small shortbread cookie round tins. We tested the cookie tin locally, it works like a charm. And remember our favorite bumper sticker < Jeeps are cute Barbie has one>
Greetings: This reenforces my statements about the Real ID Act and the new generation of "smart devices". Such devices R the favourites of the NSA. Thx 4 the share. Repeal the Real ID Act!
@@christophervanzetta Greetings: U cannot accurately say "nothing wrong" when U do not know the facts or situations which it denies. Ur R in such situation that affords U that privilege. Express check in can B acquired without the Real ID Act.
Welcome to an introduction of WHY we need to take better control over our digital systems. I have been saying these things for years on my channel!! Great video, Steve!
For stuff like weather apps, where you only occasionally want to actively check their data, disable Background App Refresh, and change location use to only "while using". It's not perfect (the app can't preload the current weather and give weather alerts), but it helps.
Keep in mind if you have a teenager who is on your auto insurance policy one accident raises the rates considerably two accidents make it almost unaffordable. They're going to place your youngest driver in your most expensive vehicle as the primary operator. As long as that person resides in your home your rates are going to be astronomical as a result of teenage accidents. Insurance companies vary, laws in different states vary. In my opinion if you have your homeowners, auto insurance, extraneous insurance of some kind with one company, they know everything about you. You agreed to it when you bought the policy and signed the forms.
I started driving when I was 17 and got my full license at 18. Shortly after that my father bought a 2006 dodge grand caravan as my first car. Say what you will but I actually liked it. The insurance assigned me as the primary driver of his Ram 2500 pickup truck. My father straightened it out with a very colorful phone call. He didn't let me drive the truck, his other car at the time was a stick shift, and the minivan was the only one I could drive at the time. They again assigned me to the Ram truck when I got a 2012 dodge grand caravan after the engine died in the 2006. (I told you I liked the van) My father once again went off on them although by this time his other car was an automatic transmission Subaru and he did let me drive it if the van was in the shop or something. Not sure if he told them that. Lol. I'm 26 now and on my 3rd dodge van and just a few months ago I decided that since I was past the 18-25 age bracket that I would officially register and Insure the van under my name instead of my father. We had it under his name because it was cheaper, particularly when I was younger. No offers of track your driving services but I pay almost $400 a month on a vehicle that is 10 years old and not particularly expensive or powerful. It is quick for what it is and can easily get to 100mph if I want to (I don't) but most vehicles today can. I'm just wondering when insurance will quit screwing me and at what point they stop viewing me as a dangerous young driver and start viewing me as the adult I am. I know I'm not 40 or 50 but I'd like to think that I would be a better driver than an 18 year old kid that just got out of highschool!
@@bbol745hell i never paid that much for insurance, and I'm not 40 either. Most i paid was $800 for a 6 month chunk and that was when i had a Tesla model s. Before and after i only paid ~$600 and now $345 for 6 months. The 6 month chunk has a discount, i think it's like 2/3 of one month reduced. All other vehicles I've insured are also older than y2k. I'm considering hunting for a diesel pickup, but no newer than 07
Thx for informing me of that! I need to sue my cellular phone company & my insurance company for conspiring to invade my privacy, preforming an unlawful surveillance of me without a warrant.
What upsets me is now your employer wants you to install apps on your phone, apps that have insane permissions and have a disclaimer that they sell data My mom works at a doctor's office and they had her install a 2FA app on her phone and when I looked at it the camera permission was enabled. F these companies.
I'm pretty sure that's not legal. If they make her have a certain app then they have to pay for the phone as a work phone. It's not a good idea to have it on a personal phone.
Yea, there's no way you can require me to install anything on my *personal* devices that's for work purposes, if you want that, at the very least you'll need to provide the device.
Been driving for 30 years, haven't had a moving violation in over 25 years. Bought my very first brand new car 5 years ago, requiring full coverage for the loan. Have paid every premium on time, no tickets/accidents/claims since owning the vehicle. Insurance has religiously gone up $40 per month each year I've owned the car, $20 increase every 6 months at my renewal. The only way I could get a reduction in price was to re-negotiate the amount of total coverage, which only dropped the price $60 per month 2 years ago. The car has 10,700 total miles on it in those 5 years. When I asked for reasoning to the increases they stated it's a high risk vehicle. I asked what this constituted and the response was OTHER drivers frequently get tickets in the same model of vehicle so I have to pay higher premiums.
IMO... do two things. 1st get a hard quote from another provider. Then use that quote (which you can e-mail) to your current provider to lower your rate. In this world they need evidence your serious you can get a better deal. And when they agree to match or beat it... don't accept. Tell them they have put you through so much effort that they need to give an incentive for you to not accept the other offer. Like maybe a 3yr price hold on your rate. You hold the purchasing power... NOT them!
Never been in an accident and no tickets for over 20 years. I was told the reason my premiums were so high is because there was a million people in the area I was in and most had no insurance.
Same thing happened to me. Perfect driving record, always drive safe and reasonably but because of disasters in other states, my rates increased. How is that legal?
You absolutely cannot keep staying with the same insurance company. You are the frog in the slow boiling pot. They will keep turning up the heat a little bit so it’s not too uncomfortable.
Sucks you're just catching onto this.. been this way for about a couple of decades now.. I guess you're actually lucky you're just now experiencing what a lot of have been for quite awhile now
I use a lot of rideshare services for most of my transportation. If my driver acts like a maniac, do I get punished? What if I get kidnapped?! What if I lend my phone to someone? What if my child's phone is attached to my account? No. Any use of app data to affect insurance rates is fraud, and ought to be treated as such. Plain and simple.
@@nomercyinc6783 Glad you asked! There are two main reasons I use rideshare services. Sometimes parking is limited or expensive at my destination, and it is both faster and cheaper to get a ride. Also, I enjoy going out for a few drinks with friends and family sometimes, and being a responsible adult, I don't drink and drive. But the same principle applies any time I am a passenger in someone else's vehicle, such as carpooling with friends to save on gas and parking; riding a bus, train, tram, or shuttle; and so on. There are many reasons why a licensed and insured driver may be a passenger in another's vehicle. The point is that even if we thought it was okay for our phones to spy on us to improve the accuracy of insurance rates, it is almost certainly impossible for that to happen in an accurate and meaningful way in most cases. And I think they know that. It is my belief that this is not designed to save money for good drivers, it's to find ways to increase rates for all drivers. This is, in my opinion, fraud.
@@nomercyinc6783Glad you asked! There are two main reasons that I use rideshare services. Sometimes, my destination has limited or expensive parking, and it is faster and cheaper to get a ride. Also, I sometimes go out for a few drinks with family and friends, and being a responsible adult, I don't drink and drive. But really, this applies any time someone might be a passenger in another person's vehicle, such as carpooling to save gas or riding on a bus, train, tram, or shuttle. This data almost certainly cannot accurately reflect my driving habits or ability, and I think insurers know that, which is why I consider it to be fraud.
Allstate, progressive, and Hartford all have data collection devices. Allstate, progressive have plugs that go into OBS port. Hartford has a app. My app comes up when I'm trolling in my boat at 1 mile an hour 🤣
You realize that port is only supposed to be used for scanning purposes and isn't meant to be used when the car is in motion. I absolutely turned the discount offer from my insurance company.
You made a good point, what if your riding with your buddy who drives a Hellcat Red Eye? Oh, and I just deleted MyRadar from my phone never to be put back again!!!!
My job has a driving score for all of us drivers. I routinely rank in the bottom half as a result of my inability to stay within the speed limit. I’m also hurt by the fact that I am listening to your channel while I’m driving all over the place 😂
Born in '84, so I grew up with the internet and all the related crap around it. I watched as my friends always jumped on every new bandwagon of social media and various "assistance" features of phones and computers. From day 1, I realized this is a bad idea, because this is digital information that almost never gets erased, and exists for the world to see. Basically eliminating almost any privacy that you have. I never participated in any of it. I don't think there is even a picture of me that exists online. I tell my close friends to make sure to not post any pics of me, or at least never tag me in any of them. I don't ever use the AI or assitant features on my phone, stay away from most apps (especially "free" ones), and block every piece of data reporting that I can. Same for my cars...I turn off any data collecting, reporting, logging, or emergency services.
@@mutteringmaleThe main problem I have is that a lot of the people willing to trade their privacy for a free feature, are the same people that are always too eager to trade their freedom for the feeling of "safety". Not real safety, mind you, but just an illusion.
@@BigBear-- That why we have teachers, grave diggers, ditch diggers, clerks and janitors, these are the masses of mooing maroons that need to be comforted....they should thus not be allowed to vote. We need to go back to being a real republic, not this insane democracy.
I had insurance that provided a tracker thing that you plug in to your OBD2 port. I think I'm a pretty good driver (like the rest of the world thinks they are!) with nothing but 1 speeding ticket in the past 20 years. I will say that I will NEVER have insurance with one of those driving nannies ever again. Living in Metro Detroit provided me with so many "Hard braking events" from being cut off because I was following someone at a safe distance and another driver decided that was enough room for them to pull in to, or from people pulling out in front of me. My "discount" evaporated in no time. It's like they would rather have you hit someone instead of slamming the brakes so you don't.
Yep...I've seen many forums say its also better to run reds and stop signs to avoid "hard braking events" than to try and stop if it changes quick or appears on a blind corner.
A clear example of perverse incentives, and why any metric you can possibly track that someone knows they'll be graded off of will immediately become worthless.
Also worth noting: GM said they'd stop selling data to one specific buyer. What about all the other buyers? Or the data brokers who'll immediately turn around and resell it to said specific buyer.
Plus phones come with built in accelerometers for reasons not necessarily tied to this. But it measures how hard you accelerate in any direction, laterally, etc
If you turn off location tracking on your phone you are the only one not getting your data. I am replaying in my mind a scene from Criminal Minds where Spencer Reid calls out an auto maker on this very thing. Most consumers don't read the EULA, he does. They are watching and recording.
This is why you install a VPN on your home network and then configure your phone to connect to the VPN. Then, even when you are using mobile data, all requests will be forced to go through your home network. From there you can install blocks on any data you don't want sent out.
@@customerservice2902 Will that work 20 miles away on the expressway? While at a store the next town over? This is about tracking driving habits. I know about VPNs and using home wifi for calling.
@@jamesphillips2285 The point to the example is most people don't read or understand that auto makers tell us they collect data. Your reply reminds me of several Steve Lehto rants on the Vault.
I've had my flashlight app want to know my location. Of course I said no because it only needs to do one thing. It doesn't need to know where or why, just shine a light until I tell it to stop.
I remember when a lot of apps were coming out and I kept telling people stop installing these apps. Just use the web page if the company provides it. And my friends tell me I'm paranoid. And then I would tell them no, I've been programming for like 15 years. I know what's happening in these apps. They're just tracking everything you do. And then my friends would ask me to describe why it's a problem that Taco Bell is tracking what they do... *sigh* And even if they were tracking me, which you haven't proven, why would I care? So then I would decompile the APKs and go through the APIs that they were using and show them. Yep, here's where it asks permissions for all kinds of sensors on your device. Here's where they're collating the data for all the fucking sensors on your device. Here's the API that they're posting it to to their servers.
Steve, if the phone can link to the system on board your vehicle, the answer to your question is "HELL YES"! So, I drive some old school vehicles, 1973 Ford F-250, 1977, F-250, 1972 Ranchero, and my old Toyota Camry, none of them are connectable to the phone and Internet, so they are a little harder to identify unless they use the travel camera system to identify you by your cell signal and tie it to a video of you and your vehicle from the travel pole cam systems but they would need a signal that they could triangulate and track movements of... So ultimately those signals can come from your wallet, a tag, or one of the chips and implants they put in your own body... We must understand the level of security they have managed to create in order to track us around like this.
I put the OBD2 thingy in my car when I had Progressive back in 05 for a while. Then one day I realized what the hell I signed up for and sent it back in the pre paid box they sent along with it. I signed up to let them spy me for a while. And I am/ was a mechanic . What a total maroon
I wonder if he told them his profession. Also, they may know and have decided he is a risk taker who speeds for work and therefore may be more likely to speed in his own vehicle as well.
FWIW: A weather app would be tracking your location to provide localized weather forecasts. Sometimes those forecasts can be very specific, such as "in fifteen minutes it will rain right where you're standing". Not "somewhere in LA will have rain", but specific your current location.
I used My Radar twice, made sure permissions let it connect only when the app was in active use. It ran in the background and collected data and the sent the whole batch when the app was opened. The adds made it really apparent it was collecting data from other apps as well. Deleted it.
@@tegimr - I completely agree that part is bad. But Steve asked the question "Why would a weather app need to be tracking you?". If you change the question to "Why would a weather app need to know your location?" then the answer becomes more obvious. But of course the only way to know your location, even for legit reason, is to "track you".
Always check app permissions in the store before downloading/installing. Support the small app developers that don't ask for unnecessary app permissions.
if you go with the flow of regular traffic at Denver Airport, your insurance will ding you speeding 50MPH in a 20MPH zone. Even though the majority of traffic is going 50 MPH. DIA starts the 20MPH far sooner than you would expect but it is not strictly enforced.
One aspect you might have missed is that they don’t need to track your “driving data” but simply location is a lot. A weather app that tracks your location alone can use your location data to know when you were driving/speeding/stopping for gas, etc. With AI and other tools it’s very easy to do a lot just from location data.
Typically, insurance companies will INCREASE your rates for "risky" behaviors, but not DECREASE your rates for "safe" behaviors.
You are also tracked though your credit card. Always pay with cash.
If the results are good, they will lie about the results.
It's one-way traffic.
My premiums are much less now than when I was getting tickets in the 90s/00s. Haven’t had a ticket in 9 years now, and the one before that was 7 years prior.
Well stated, thank you!
A federal law needs to be passed banning companies from selling personal data
Been saying this for a decade. As long as boomers are in power who don't understand technology, things will never change
The DMV is selling your data too.
💯👍
Good luck with that.
Theyre one of the buyers
Always remember...if the service is free...YOU ARE THE PRODUCT!
Even if you pay for the service, you are the product.
@@Unsensitive That's the worst part.
Love having a burner phone. Combination of my two best friends first and last names. ,🤣
I keep my privacy no one's invading my privacy
Wikipedia has entered the chat...
@@michaelspencer0707 Wikipedia begs you for money anytime you go to the site lol
People need to be made aware of this. The invasion of privacy has to end.
Most people don't care.
Just like smart metes it’s just another step to smash our rights and try to roll out the digital id. Turn off location services.
@@JoeyMcSmokey your exact location can be tracked with no gps help with your phone off or in airplane mode. Just fyi. Not a conspiracy theory.
@@trentvlak Indeed but I don't take my phone everywhere and it goes into a faradaybag every night at bedtime. I'm not saying turning off your location is the fix but it's start for sure for he average Joe.
Just stop using the apps that're selling your data. WTF. It's that simple.
Apparently the insurance companies favorite customer is someone that buys auto insurance but doesn't actually drive.
they would really like that
That's me....
You don't drive, you don't get in accidents. They don't have to pay out.
That person would be flagged for rate increase since they drive slowly around fenced yards
that's how insurance works clown. if people who only had insurance they got into accidents the insurer wouldn't be in business. I know it's hard to understand
I can’t believe that Steve made it all the way through this video and never talked about: What if you’re riding the Bus, or Train.? What if you’re friend or relative is driving? What if the cab driver is driving like a maniac? My rates are based on that? Sounds like a class action suit waiting to happen!
Try & prove how or why your rates have risen. Good luck.
Faraday bag
for sure
@@MacGyver2154 Wrap it in tinfoil. Has the same effect as a Faraday Cage.
In my case I have a flip phone. It still pings towers but no GPS.
@@poughquagpops3379that would be easy in discovery
I am a first responder, I have to carry my phone with me at all times because that is how i am notified. Driving an ambulance like a mad man in the city would be sounding all kinds of alarms for the insurance company.
Ambulance driver.
I think I have an opposite problem. I drive a semi truck and am super safe at work. In my personal vehicle I drive like a mad man 🤣
I was a paramedic for 15 years...what ambo company requires you to use your personal phone for job related notifications? Also, most companies have due regard limits ;-)
Put your phone in a faraday bag. End of story .
Just an ordinary driver is not always safe. I drive 55 in a 55mph zone? Inspire a lot of road rage being a safe driver.
This is why I have a dash cam that doesn't have internet access, just a micro sd card. Literally saved my husband when he had an accident by showing the reckless driving of the truck he hit.
This doesn’t change the fact that your day to day driving could be monitored and tracked.
Saw a video where a guy was pulled over for not wearing a seatbelt that he was wearing. He stopped the officer quickly when he showed the camera
I was stopped because the officer said “his partner saw me talking on my cell phone,” I said “no he didn’t,” and proceeded to get my phone that was inside my ZIPPED purse on the floor of my passenger seat and showed my call log.
No calls since Saturday, no texts since almost an hour earlier.
He then proceeded to question an app on my phone, it was a PERIOD DIARY!!! To keep track of my damn ovulation so I could hopefully get pregnant!
He didn’t believe I hadn’t spoken on the phone in a few days, and was, in a roundabout way, accusing me of something because the app was labeled as “P.D.” It was also pink and purple with a flower on it. 😂
I WISH I hadn’t showed him shit!!!! I would never do that again. Just take the ticket and show up to court with my records.
Me too, front and rear cam for insurance purposes and lying cops
Well I don’t have the problem millions of Americans have. I drive an e-bike that can take me just about anywhere. No insurance needed and honestly I don’t have a car. I use Lyft when going shopping or dining.
A friend had one of those devices. He lost his "discount" because he stopped to quickly and swerved to sharply one day. He literally had to emergency stop, swerve into the median to avoid a drunk driver who ran a stop sign, turned in to on coming traffic on a divided highway.
The semi behind my friend did not get completely out of the way.
It cost my friend an extra $20 a month because he avoided the accident with an uninsured drunk...
This tech is a scam to make the insurance more money.
how did he know the guy was drunk ?
You are also tracked though your credit card. Always pay with cash.
That’s true told me how many times I stopped quick once when my sister was driving the car
but the police report should prove why he had to take such extreme action???
@@cookiecookie9040 But where would you stick that police report ?
Insurance companies are the WORST corporate entities ever formed. Their actuary tables they use are BS, and they just steal our money. I am 61, I have had one ticket and one $800 claim in 30 years, and my insurance rates have risen drastically.
That may be because you didn't take the app.
Those tables aren't total BS. They keep staying in business. If you think they totally rip all their customers off, buy stock in them and profit.
@@Moosetick2002 What do corporate boots taste like?
@@Moosetick2002they stay in business because it is ILLEGAL not to purchase policies from them... they would never stay in business in a free market.
Because statistically, as you age you are more likely to be in an accident. Just like risk is greatly increased when you are a young driver & pay for higher rates. Men pay higher rates than women.
Good thing the apps can tell when you're the driver vs a passenger... /s
Which just means they charge you either way.
Or say for certain if you’re driving your own vehicle or not… imagine this situation for first responders…
I took a BIKE ride and they flagged my trip as dangerous driving cause it thought I toook my car offroad.
@@braddl9442 oh damn… I didn’t even think of that one, I have a Jeep I take off roading. Might have to look into that one
Ever got a cab ride in Philadelphia?
If the insurance companies had their way, that would be grounds for immediately doubling your rates.
If you ever work with large mega companies, you quickly learn most are a facade of caring about customers, but are actually vices to squeeze every penny out of the customer (especially is customer is another company).
I am so happy that someone else is having this concern. I fought with Allstate, when they first had their DriveWise program back in 2013. I was called paranoid, conspiratory, and every other name in the book (the same way I had concerns about identify theft in the early 90s). I tried their program for a month, and I looked at the data that they would share with me (which was extremely limited), but there were "assumptions" made. I had a small light vehicle, that had a manual transmission, so every time I decelerated and down shifted, it was considered a "Hard Braking event" and therefore was counted against me. The rate of deceleration was a static value, but had ZERO type of consideration for the vehicle being driven (my Altima would decelerate/accelerate quicker than what my Ford Expedition would, just by the inherent nature of the vehicle [read: weight, size, etc. - ie my Expedition could not decelerated at the same rate that my Altima could, even with a 4-wheel lock up). I fought long and hard with AllState, to see what data they collected, how it was being used, what sort of considerations for different vehicles were taken into account for assessing the rate (or as they framed it, "discounts"). They assured me that the developers of the program themselves were drivers themselves, and therefore would not do anything unscrupulous with the data, or their algorithms. They also tried to re-frame that I was not getting penalized for working a night shift (making my "safe" driving hours outside of their pre-determined "safe hours" - I'm sorry, less cars on the road = safer driving conditions.) "You are not being penalized, you just get a reduced discount (sounds like a penalty to me) and wont affect my rates as they are already established when I first got the policy - they would not answer the question if it would impact my rates at the next renewal or not. I viewed that non answer as confirmation that it would be used to charge more. Needless to say, I dis-enrolled with their DriveWise program, and ultimately switched insurance carriers. Privacy laws need to be tighten, and sharing of information needs to be stopped. Privacy is about having control of your information, who has access to it, who uses it, who it is sold to, and the ability to withdraw that consent - sadly i fear that is long since past.
I had same experience with American Family. They were rating my home value about 25-30%, too high, causing me to pay that much higher in the annual premium. An attorney suggested I request a copy of their calculation of property value. I did, and they refused!
Yeah they considered that information as proprietary or that it falls in the classified (for lack of a better term). I have my village assessing my house at 1.5 to 2x it's value, and every year we go through the 4 step appeal process before the relinquish and do the market value. It's very sad as they got you kinda over a barrel...all they do is say denied, where you have to provide the evidence and do the research.. essentially, they waste your time, while the reap the profits and all they do is a is just deny 4x.. bloody rigged system.
@@td67gto18 that’s weird. I’m in Florida and part of our deck page has the replacement value. One can accept a lower value (to a point) and they will reduce your premium. Just a little, lol.
I wonder if insurance employees get discounts or do they get rheemed like everyone else. Why be an employee of the insurance company if they get the same treatment as the customers.
Remember the "I want to spy on you" Starlink in GM cars? That's why I'll never buy a GM car, and, because they make feces-like cars.
If something is free, you are the product.
Excellent comment.
Too bad they charge for insurance and phones.
@@yerbudspudNot to mention the car...
Like the free, safe and effective vaxxx
That should be a T Shirt!!!
I saw one video where a guy signed up for the voluntary monitoring because he's a safe driver. After a month, he found out insurance considers him a high risk. As he explained it, "I live in the NYC metro area and gosh, I had 8 incidents of hard braking--Yeah, because NYC drivers suck, not because I do!" Which points out this is absolutely NOT a measure of your driving skill. It is simply a measure of how often do you brake too hard for their liking or accelerate too hard or go 15mph over the speed limit because that's what EVERY other car on the highway is doing--try driving the speed limit on the DC beltway and you're far less safe than going with the flow. The analysis software doesn't care about any of that.
Unfortunately, I fell for the same thing when they first began. I lived where there were multiple traffic lights on 55 mph multi-lane roads that had insufficiently timed yellow lights. Basically, you could not slow from the speed limit in the time the light gave you without triggering a "hard braking event" (they were a problem and a contributing factor in a lot of crashes, they've been subsequently eliminated). I think I had over a dozen in the first month of using one of those damn things...
I knew this was a stupid system because it doesn't account for DEER in the road.
I am that person going 55mph on the Beltway in the far right lane, with people swerving into the exit lane to pass me at 90mph then swerving back in front of me. Who exactly is the unsafe driver in that scenario? Is it really me?
This doesn’t even follow the studies done by DOT’s. Slow drivers (compared to average speed of the highway) are significantly MORE likely to end up in a crash than speeders. The variance per MPH is somewhere in the ballpark of a 2x multiplier. Not twice as likely to be in an accident, but twice as much of a risk change.
@@affsteak3530if a stupid app has you thinking “I better not break hard” you are actually more likely to have an accident.
I've had my driving monitored by those apps at my job. I actually get to see the driving reports for transparency and they are laughably bad. It penalizes you every time you stop at a stop sign. Calls it a "speed deviation". Every time it switches service towers, it locks your gps speed until connection is restored. It dings me for driving 65 through a small town because there's no cell service there. I've also had it say I was driving 999mph too lol. It also penalizes you for avoiding crashes
For real? That's nuts!
Add AI, and it will automatically kill your engine for letting it idle for too long while on a road trip passes through Kansas.
@@JasonW. Sounds made up. You aren't idling if you are moving at 75mph. AI isn't perfect, but it also isn't an idiot.
Sounds far fetched. Insurance companies do this to determine rates. Not to give everyone bad rates. If they wanted to do that, they don't need an app as an excuse. Also, they don't want to get rid of their safest driving customers due to bad readings. That isn't good for business, and that's all they really care about.
Yup. I noticed that looking at the info on my phone. They dock you points if you are stuck in stop and go traffic.
Whats worse is, these things likely can’t tell if you are on a bus or a Acela train, or a subway, or part of a commuter car pool. So the insurance company is changing your rate on things they don’t know.
Very logical conclusion 🙂👍 and great comment.
It's their rate. They can make it whatever they want to for whatever reason. The insurance company is looking to give the lowest price to the lowest risks. Their method of determining risk will never be perfect, since it's impossible to predict the future. If some of the data is bad and higher rates get assigned, it's just the cost of statistical probability that has to be taken.
You're making the assumption that rates should be "fair". That isn't how insurance works.
@@xocomaox What? I dont know what you are going on about. Its like I'm talking about the ocean and your talking about the moon.
They know, believe me, mine knows when i travel on a plane, or a subway. However when i rent a car, or use a ride share, it doesn’t, so I have to manually change it to passenger.
I know a few people who have fallen for that safe driving device. None of them got the discount because of 'poor driving practices'. No crashes, no tickets.
I'm a victim; State Farm to be exact. And that rubbish thing penalizes you if you have a 'braking event'. Phoned them up asking about it and the gist of the explanation was 'if I have to brake hard like that then I may be following too close'
My (passive aggressive) response? 'Understood, I'll just slam into the back of someone who cut me off at a moment's notice then. Or run over the deer that leapt out from the bushes 😊'
The guy went silent on me. Not sure if he was dumbfounded in the moment and/or aggrivated with me. 🤣
I got the snapshot device through progressive and it cut my premium in half! only drove the vehicle a week every 3 months.
" None of them got the discount..."
I do with USAA. It's not much ($15 a month), but it's better than a kick in the death.
My husband tried to get me to get this device because it can save us money. I said, "No"! When I told him why, he didn't do it either.
When I switched to state farm they asked if I wanted that and that was a very fast hell no.
People make fun of my unlocked old flip phone. They make fun of my 25 year old car I have owned for 15 years. I love them.
same here.
That's why I drive an older vehicle. None of that tracking crap!
After a search that rivalled the one for Amelia Earhart I found a plain vanilla full size pickup year 1999. Needed some work but way cheaper than the overbuilt, overcomplicated, overprices they want you to buy now. And it won't spy on me.
Yup, me too. A phone is for talking so I got a flip phone that only does that. And for directions, I have an old Hagstrom paper map to look at. No charging necessary! LOL
Same here, and they also make fun of my tin foil hat.
I drive a lot for work, use my own car & get paid for mileage. Employer changed from manual entry for mileage to a phone app. I used it once, and realized it was tracking my speed, braking, time at stoplights, did I drive outside of my lane, how many stops I made & how long I was at each stop. In addition, the default of the app was to track everything. If I turned off a feature the app would turn it back on automatically. So I told employer, it’s my personal car, I don’t want to use the app & now I’m back to entering mileage manually.
I’m a truck driver. I guess I’ll just keep it a couple mph under the limit for 400 miles every day and anyone watching will think I’m the most responsible driver ever! I get paid hourly so this could actually increase my paycheck 😂😂
Jeeeeeezuus
@@FallacyBites thanks for your contribution
Many personal car drivers don’t have this option
App is needed for deliveries. Nice way to spy.
@@davereiland9921I liked his response. It was apt.
You are a true patriot for America. Thank you for informing us on critical issues.
I warned of this when State Farm first came out with their little device. Look folks is simple. Never ever ever never trust an insurance company. EVER!
Great analysis Steve. This is the reason Privacy Laws are needed so desperately in the US. The EU has GDPR and it has teeth.
Don't put too much faith on GDPR or even the EU. They'll throw you under the bus if you do something they deem "offensive."
Good ol' EUSSR.
@@PhilipMarcYT What nonsense.
Lobbyists for big corporations in the US need to be banned. The US has too much money in politics.
one of the nice things, is that it has to be just as easy to remove consent as it was to give consent in the first place. So none of the yes thank by clicking a button in the app and a damn snailmail letter to withdraw consent
On the contrary, companies and gov infringe in people's privacy more each day. Just watch the news...
My mom was about install an analog tracker from her auto insurance company for $50 off a year. I warned her right away that it is possible they will track her speed and other driving habits and make her pay a bigger premium next time she renew. She threw that thing away right away.
I'm an emergency medical services supervisor. So for 12 hours per day, I'm driving code-3, while responding to medical emergencies.
We don't drive as crazy as they do in the movies... but our policy does allow us to drive 10 to 15 mph over the speed limit, and I sometimes make hard stops and quick corners. On the other hand, when I'm in my own vehicle, I drive extremely slow and carefuly. I don't even like driving on the highway.
I think it's pretty crappy if I'm being rated based on how I drive my work-vehicle while responding to cardiac arrests and gunshots.
And imagine state troopers and officers in pursuit or in response to the same events. A car drives faster than something shaped like a brick. Simple physics.
There is something really awesome to this comment , and that is well the fact that you as an EMS provider and Emergency vehicle operator share a very common tale of how you may drive at high speeds and in maybe some questionable way at times to save lives , and then while off duty you tend to drive under the speed limit and a bit over cautious . Yet though it is a common tale it is a true one and a valuable one , you have seen stuff daily that many will (thank god) never see and you know the need for safety , on the job you get some tunnel vision when the call for help comes in that too is natural and every EMS provider wants to be the first one there and fast . I have known a number of cops in my time as a Firefighter / EMT / First responder , most of them tell the same tale about driving .
They don't care because more profit is the motive.
I had Hartford and downloaded the app. I was pretty darn proud of my consistently high scores (an occasional 92-93; mostly 96% or higher) I've been driving for 54 years, I'm accident-free, no tickets or violations in the past 15 years plus, and I drive about 3000 miles a year. When my six-month renewal came along...my premium went up over $400 a year! Dropped them -- and their app -- like a hot potato.
Louis Rossman has the perfect descrition for this: EULA roofie.
Rossman FTW
The real problem is that it only comes in suppository format, is inserted sideways and comes coated in hot sauce.
❤️ Louis
If the service is free, you're the product.
@@wesleyhoward5599 That is no longer true. Adobe, Microsoft, Samsung, Apple, many car makers, and many other corporations have odeous EULAS on their paid and often very expensive products. Not only do you have to pay a lot for their products but they claim ownership of your data too.
I actually avoided an accident, that evasive maneuver resulted in an increased premium.
I ACTUALLY AVOIDED MAKING A CLAIM - BUT THEY INCREASED MY RATES.
I got a rate hike for 'multiple hard stopping' to avoid large animals! in a 60day period I missed 5 deer and a loose cow from the pasture on one road. :( country roads are dangerous even w/o another driver for miles!
Insurance is and has always been a scam.
How were you being monitored?
I plugged one of those things in my car because I drive less than 100 miles per month and kept my 100% discount (zero hard braking, zero jackrabbit starts) each of the three 90 day periods up until the final 10 days when suddenly the plug-in from the insurance company stop responding and I had to get a new one. After the 3rd one failed in the final week, I told them to forget it.
@@_PatrickO I was just using a progressive safe driver module plugged into the car's computer.
I remember some of my high scool class went on field trip to the Soviet Union, and in their hotel rooms were devices hidden in plastic plants that looked like they might be microphones. A decade or two later I heard the word that Soviet citizens were allowed to remove these devices from inside their homes and public places, and that during the removal process many had cracked those things open to see if they had any guts, only to find them empty. The Soviet people had lived whole lifetimes believing the government was spying on them and able to hear everything they ever said. It turns out it wasn't technically and financially possible to bug everyone everywhere. You would need one person monitoring every few mikes. That's at least as many citizens as there were being spied on!
Now here we are. We have miked ourselves. We bought the bugging devices, voluntarily carry them on our persons and even subscribe and pay for the muliple services that spy on us. The fear of living in hell is just gone.
And we have computers to analyze the conversations of everyone everywhere. We no longer require the level of human monitoring. Only the conversations the computer analysis deem to require human scrutiny are passed on for this.
Im a software engineer, I run a de-googled phone that only allows certain special apps I've vouched to even run in the background. I drive a 20yr old vehicle for this reason too. I've been called paranoid by friends, despite knowing far more than them about anything technical. I love being right, might as well sit back with a bag of popcorn and enjoy the show.
People really need to understand that all the data being collected on them lasts forever, and can be used against them at anytime, and eventually by anyone.
You are also tracked though your credit card. Always pay with cash.
Graphene?
Other operating systems exist other than graphene
@@the_expidition427 sure, but Graphene is one of the most popular
You “love being right” about people being tracked? Aside from that REALLY weird statement, I wish somebody cared about me enough to track me as much as you think they want to 😂
The biggest problem with these apps is that they can't tell if the person is actually DRIVING. A person can be getting a ride from a family member or a friend or even taking transit.
you have to go in an manually tell it you were not driving.
@@braddl9442riiiiight so its our responsibility to prove what we were doing when they are the ones tracking us??
That's certainly another problem. But the invasion of privacy is unacceptable in any case.
iPhone has been contacting emergency services near amusement parks. People riding roller coasters set them off
no it does because it know how often it hears the certain sound of car door shutting and blinker noise
There should be legislation stating that if your information is sold you get 100% of the proceeds of the information, as well as can choose who it can be sold to.
No one would sell data if if they get 0%. At the least, you should be informed of who its been sold to and for what amount. That seems like the minimum for what would be fair.
@@Moosetick2002 that's the point I am making. They can collect for their own purposes, but if they sell it you are entitled to 100% of the profits. Or something equivalent to 100% of the profits. Or some mix of the 2.
We already did. It's called "unjust enrichment".
There actually is a bill waiting to be voted on for data privacy. We gotta pressure our reps to take that up. We should have FULL control over our data & decide if we want it sold at all.
Why are people so concerned about the money? Is it just some kind of fear of missing out? Or some kind of entitlement like they are owed something in life?
Insurance companies are also monitoring Carfax from your service records you recieve from the dealership. They are monitoring the mileage and raising rates for miles you drive.
so true! I had my policy based on 7000 miles a year when I bought my car in Sep 2023. In Feb 2024 I went to dealership to get my free oil change, I didn't have any other service with the vehicle and when it was time to renew my policy in May 2024 I have received updated premium and it was saying in disclosure that my updated rate is based on estimated yearly mileage of 10126 miles (exactly this number) and now I pay $20 more every month.
Don't go to a company that reports to Carfax.. get a side mechanic.. keep the smaller worker employed.
If you don’t own the vehicle, sure. It makes perfect sense.
@@stormeegarvin7190only if you are willing to break your new car warranty.
The idea that insurance tracking your driving habits is good for the consumer is devoid of reality. The tracking is used by insurance companies to protect the company from having to pay out claims or to increase your rates on any random garbage they can point to, including 'unsafe driving' according to the tracking.
Edit: Also I'm getting sick of hearing companies try to defend themselves saying crap like 'we don't sell identifiable information'. The entire point of selling the data to the insurance companies IS to link it to a potential customer of theirs and they are doing it somehow.
You are also tracked though your credit card. Always pay with cash.
Insurance agent here the data is quite likely anonymized the reason they would buy it would be to refine their proprietary telematics progams to try and make sure they are more accurate/competitive then the competition. also i do say this with me saying 100% that i will not sign up for a telematics program with an insurance company, i like to have fun when i drive and there are times and places that it can be done safely but those apps are only gonna see wow your drifting around this corner or wow you really slammed on the gas there and accelerated faster then we like. f that noise.
They will never give you a discount if you drive safely, but they will charge you more if they feel you drive dangerously…..
Not true
Eventually they will just charge everyone more unless they install these devices. It's similar to how TH-cam is relentless about spamming the dumbest most annoying ads ever in an effort to strong-arm us into buying TH-cam premium.
@@Franklin-pc3xd which insurance company you work for??
Yes! These people are naive 😂
Absolutely 🎉
I've got a huge family plan and I will 100% drop the whole thing and find a new option over this. 100% and zero hesitation.
Put your phone in a faraday bag. End of story .
@@Ninurtha1
Exactly
There is an option in Android that can be enabled to turn off sensors. It's under the developer options. It makes all of the acceleration and direction sensors turn off to disable this kind of tracking.
Unfortunately, all the insurance companies are in bed together, so good luck finding a better deal! Oh, and so are the state governments!
@@paraax not true for all android
"Why would a weather app be tracking driving?" SO true! Great video - thank you
You can have the weather app follow you while you're on a road trip for upcoming conditions to your location.
@@SolaKnitez53 Yes, the statement "my weather app is tracking my driving" is completely misleading and trying to push a narrative. The weather app has access to your GPS in the device so you can find weather related to your location. You often don't even need to give the app this permission. It's just annoying because you'll then have to zoom in wherever you happen to be on the map to see local weather. Or search the zip or something similar.
It has nothing to do with driving. However, the data may be valuable to certain analytics companies and if the app developers can sell that information, they would have more money to improve the app and continue offering the service (possible for free in a lot of cases). This would be the only link to driving, but it's not direct.
The other scam by insurance companies is to offer you roadside assistance as part of your policy.
After 34 years with AAA- I went with State Farm ; bundled our homeowners insurance and 5 vehicles. At the end of the year, our rates were 3 times our original rate. We hadn't had an accident or. claim. Their explanation was that since my husband had a car issue that had him towed twice in a month- those were considered claims - so that affected our homeowners insurance ?!? WTH?!
NOW, back with AAA and separate auto and homeowners insurance.
AAA is good.
You're 100% correct. NEVER have roadside assistance with your auto insurance. The tow claim (or any roadside assistance service) will show as a claim in ISO,(nationwide insurance database) which every insurance company in the United States uses, and the roadside claim will remain on your record for as long as you're alive. I'm a long time recent Geico claims investigator fyi
Somebody didn't know the real answer so they just made that up.
Had to have motorcycle towed/taken twice, and progressive didn’t consider that a claim.
AAA is great. I detest State Farm.
I am sick of companies and the Government snooping on us ! Americans are supposed to have privacy and they know it ! We need to have one big lawsuit against our Government and these corporations !
I don't use the app.
@@lovly2cu725 They are still spying on you !
@@lovly2cu725 Turn off location, and use an old school Thomas Guide.
Is Thomas Guide still around?
@@lovly2cu725Do you have a cell phone? Does your car have Internet connection. Like Steve said and every other professional privacy advocate says, if you're connected to the Internet and/or have a cell phone (handheld computer) with you ,even if it is off (look it up) you're being tracked. And because your personal info is linked to a device, your personal info is there. And for sale.
Every modern communications, your electric meter, your WiFi, your phone, your computer, the scanner at the stores, your medical data, and of course your banking activity. It all goes in government and private finance “brokers” computers. If Nvidia is up in the stock market, 📈 then the “surveillance” chips are increasing. The whole capitalist system is now focused on using every individuals data, every man, woman and CHILD. No privacy, nothing sacred, no constitutional rights, and our Supreme Court backs these violations of our homes and our persons, as do our political operatives bending over to lick the boots of finance’s conglomerates. Congress’s dedication to money as their sacred touchstone of immoral character in modern civilization.
This info needs spread everywhere so people will get this changed.
You are also tracked though your credit card. Always pay with cash.
It's embedded in the core AI programs and isn't going anywhere. It's too profitable. We are here. This is dystopia. What you can change is how you use the apps, or not. I choose not to use the android apps. I do like YT though.
Nothing is going to change, your only option is to become technologically literate and fight it in ways that will work. Step one is moving away from smartphones registered in your name through your cell company. Step two is getting away from Google/Alphabet, Microsoft, etc. Wait till you find out what Copilot is doing. "In FOSS we trust."
@@RT-qd8yl I agree.
@@LisaSimplified check out LineageOS or GrapheneOS, it's a notable improvement
AAAAAHHHHHH! OMG. IT JUST NEVER ENDS. GREAT VIDEO I think😃😃. I am retired and 70. I feel like my head is going to explode. 😃🤣👍
Don’t worry boss man, not too much longer of stressing
I have for a long time thought there should be a federal law requiring all companies that keep a data file on you to provide you with a yearly notice that they have the file, access to a complete and full copy of that file in plain English and a complete list of everyone who has had access to that file. I know it will never happen because our corrupt politicians are in the pockets of the corporations, making money off our personal data.
How 'bout we just make it unlawful to spy on us.
California has laws forcing companies to delete your data if you request it and they do not allow auto insurance companies to charge you more based on any data collection.
people act like politicians solve the worlds problems when they all cause them. tyrannical leaders have not once been good in the entirety of human history
@@nomercyinc6783 yeah but most local leaders in the US (except some of these red states w/ draconian abortion laws past two yrs!) are not tyrannical. So use your terms carefully.
YES!! Phone listens. My neighbor came over to take photos of a bat on my house. His wife and I talked for a minute. THE NEXT day there were 3 articles on the news feed of my phone about bats. !!!!!!!!!!!!
Yeah, they say there's no passive listening but I and pretty much everyone I know has gotten targeted ads based on things we said around our phone.
It's probably because your neighbor searched something about bats. So you get a targeted ad because people in your area are searching for bats
I've had stuff like that happen too. It's a little unnerving.
I was looking to get my brother who lives in Florida and didn't send a Christmas list a gift card to a local seafood restaurant. I decided to buy him a box from omaha steaks. I kept getting ads from both places for awhile until I went to another site for something unrelated. I started getting ads for that place.
That's just a coincidence. If coincidences like that happened every day, then it would be suspicious
No speeding tickets ever. No DUIs, no tickets of any kind--not even a parking ticket in over 45 years! I am no longer driving because the stupid insurance company just raised my rates YET AGAIN! Cheaper to have someone else drive me around now, much cheaper!
Lol you let them win and now you won't drive? Go find another company and enjoy freedom. Or you could act 17 and carpool with Becky 😅
@@jasontaylor5061 Forgot to mention cataracts and glaucoma. Safety is the ultimate win!
What if you ride your bicycle and have your phone with you, speeding possible, cutting across a lawn - what a drunk, driving on sidewalk..
Rates are higher for older drivers. That’s not going to change.
It used to be cheaper for older drivers but they it's not the 90s anymore 🤷🏻
Next up, homeowners insurance companies will want cameras inside your home to ensure you are using your home safely. 😅
Not just that, but also if you’re taking good care of your significant other in the bedroom! It’s coming. (no pun intended)
Once I dropped my phone in my basket of wet laundry and accidentally put on tumble dry for half an hour. My insurance skyrocketed for being involved in the world's longest vehicle roll-over.
Sue them! They don’t have the proof of the accident. Where is the damaged car if so? Yours is at home and none rented involved in accident. 😉
🤣🤣🤣
@@cujbaion1It's a joke, sweetheart..
😂
THIS IS THE GREATEST COMMENT I EVER SEEN!!!!!! 😂😂😂😂😂😂
If you use Bluetooth your phone knows which car you are driving. Remember, if you are not paying for the app, then you ARE the product, even with ads.
thats why i only use my headset bluetooth never hooked it up to my cars or the semi i drive
@@screwitimout4920
Good way to get a traffic ticket
Install your own head unit or run a Bluetooth adapter on 3.5mm.
Software engineer here, worked for many insurance company's though out my 35+ career. I have never seen any reductions in actual cost of insurance. Most of the time, if you have tickets that puts points on your license, you will have to actually switch insurers to reduce your cost, but only after you points come off.
Get a Faraday pouch for your phone when driving. 😊
I have a little device that plugs into the charge port and does the same thing.
People. Just turn off your Location/GP and DATA on your phone.
@@mutteringmale they can still hear conversations to try to bombard you with ads.
@@Dbb27 Where can we learn more about that?
Fave it?
I changed insurance companies a few years ago and was tricked by being offered a low rate. Once I agreed I found out that they would be tracking my driving habits and was required to download their app. I was pissed that they didn't tell me this prior to me signing up but I went ahead and took the bait. A few weeks later I flew from Colorado to Boston for a week. While in Boston I took a hop on hop off tour of the city later to find out the app tracked all activity from the tour. I did end up going with another insurance company but now I make it clear that I will not participate in using their apps. This is a total invasion of my privacy. I've kept a clean driving record for the last 35 years along with a 800 plus credit score. This is all they need.
I bet they *did* tell you but you ignored it or simply didn’t read the agreements you were signing.
Hopefully they didn’t ding you for driving at 600 mph across the country.😂😂😂
They need all your money and then some.
Some insurance companies have drones and spy on the homeowners .
They ook into people's yards to see what is in them and how the homeowner maintains his/hers properties.
How does your credit score reflect how you drive?
Tim Hortons got in shit up here in Canada for tracking people down to the level of when they entered and exited a competitor's store, and all we got as compensation was a free coffee and a sandwich. That's what the Canadian courts have decided that our privacy is worth up here.
You are also tracked though your credit card. Always pay with cash.
What sandwich did you get?
But was it delicious?
The thing is, virtually ALL phone apps use the same, basic template. This template can access location, acceleration, ambient temperature, phone logs, messages, contact lists, app list, calendar, and even the camera and microphone. App developers merely tell the template which data to collect, and how to use it. It's all laid-out in that "I Agree" BS. This is true, even for apps that you would never suspect, like "Horoscope" or "Flashlight".
I have been warning folks of this for 10 years or more. They have flatly refused to listen, and even call me "a conspiracy theorist". I'm glad to see that someone is finally bringing this to light. Ditch the "smart" phone!
You are also tracked though your credit card. Always pay with cash.
@@gandaulf2000 Stop.
@@gandaulf2000 Is there a GPS in one's credit card?
@@robertcambareri1028 Dosnt have to be. The address where the card is used is bundled with the transaction. If you use your card online, they can also bundle user agent data and your IP address.
Personally, I'm not all that worried about certain types of tracking but some out there are super paranoid about any form of tracking.
@@robertcambareri1028 no, but if you pay for gas in minnesota, anyone with access to the data will know you were at a specific place in minnesota at a specific time.
One of the best ways to fix this is to register with information about someone you know but don't like as much.
For example Gas Buddy thinks I'm my friend who votes for this kind of control.
Always think about corrupting the data instead of just avoiding it. Anytime an application asks for your race or gender, choose something different every time.
I just had a very similar conversation with my daughter who started getting cold calls after downloading an app. The way I explained it was - unless you read the disclaimer from top to bottom AND understand every word you must assume you are giving full access of your phone to that app. History, photos, location, microphone...everything. Her response was why would they want access to that stuff, it;s a shopping app? My response was so they can sell it. That really is what it comes down too.
Even if you read it top to bottom the language is so deliberately broad that you still have no idea what they are collecting or sharing. It is astonishing to me that courts have decided that these terms are enforceable.
that isn’t possible with apple apps unless you grant those rights.
I've had this conversation with friends and family and I am amazed at how nobody seems to care. The typical response is "who cares, I'm not doing anything illegal" or "I'm too boring for anyone to keep track of me." When I ask do you really want some corporation to know your every move they don't care. What is wrong with people? Get rid of apps and leave your phones at home more. Also, how don't they know I'm driving as opposed to riding in someone else's car?
That’s the same argument people were making with the traffic cameras. “Well if you’re not doing anything wrong, you have nothing to worry about!” 🙄🤦🏻♀️
They really just don’t get it!
At this point, I can only say, "Duh! If it's connected, it's a tool for spying!"
Yep
You are also tracked though your credit card. Always pay with cash.
exactly . That is why I don't have any Alexa type devices , a Roomba type device, or "smart anything" in my house.
Have been enrolled in this with USAA for 2 years ! I save 30% and only drive 10k miles a year !
2014 I used Progressive-Auto. They gave me this device that I plug into my OBDII connector. It was supposed to reduce my insurance. But my insurance stayed the same. And it beeped every single time I braked. The beeping was supposed to notify me I was braking wrong. But it beeped whether I quickly but evenly/smoothly came to a stop, or I took my sweet time and started braking 200ft in advance. Eventually *_THEY_* cancelled my insurance cause I guess they didn't like the data it gave them.
I was 19. Been driving 3 years. But the device in hindsight was more of a black-box. To record the final moments before a wreck so they can deny any and all claims and not do the job you pay them to do. Never again.
You are also tracked though your credit card. Always pay with cash.
Never again!
100% true - we need consumer protection laws around data collection ASAP
All the grocery stores are collecting your data via a code that you voluntarily input at the register so that they give you the regular price on your groceries…
Sadly that will never happen, gubmint loves anything that monitors citizens.
@@patriciaraymond7839 California is one of the few states that got in front of this whole mess with the rights they gave individuals to have their data deleted upon request.
It’s not nearly enough, but it’s at least SOMETHING.
As it stands, companies will literally refuse to delete your data unless you are a resident of California (or one of the other few states that are slowly adopting policies around data retention)
How do I know? I asked a company (that I worked for) to delete my data, via the request option that was listed on their web portal. They rejected the request stating that I did not reside in California so the policy did not apply to me.
@@patriciaraymond7839 not at all! Biden admin has been discussing this, unlike ANY single GOPer in congress or anywhere at all. As usual, GOP/repub's are the hotbed of corporate america! Same as it ever was!
Thank you…I just deleted My Radar off all my tech. This is way too much. I truly do not understand why we as a society let this go on. I don’t think I’ll live to see it but maybe one day it will go back to “We The People” instead of “We the politrickians and rich”
What makes you think that it will ever be any different than what it ever has been. They have always been doing this kind of stuff.
Why just “My Radar”
@@petervanderveen2340 I’d like to think we r more educated and maybe just tired of living under others thumbs. I do c another civil war happening and not due to race problems but because of the living conditions and social conditions.
MyRadar CANNOT track your driving habits unless you give it permission and physically go into your iPhone settings to turn on that function
@@dand2334 Thank u for this info. Not that I drive crazy or do anything wrong I don’t trust apps that sell ur information and have gotten rid of most that I truly don’t need. If they sell it to insurance companies they’ll give it to the government. As a Soldier for 28 plus years, I don’t trust our politrickians or government organizations. I served for my fellow countrymen. I’ve been a part of and witnessed the lies and corruption they spew. There are far too many Americans who put their trust and faith in the leader💩 of theses POGS but are either ignorant (not knowing) or just flat out ignore what’s going on around them thinking it will get better. I guarantee u that insurance companies aren’t the only ones getting this information. Knowing some of the things I know if I could go off grid I would. And yes, this old Soldier is looking for about 5-10 acres of land to do so. The selling of personal information should be one of the first things u read in normal bold print instead of the last thing u read in minute print. Just an old Veteran’s thoughts.
Sorry, this is going to be a little wordy. When I moved states I had to find a different insurance company. Found one with the option to save money by installing one of those driving monitor devices; I had refused to install an app on the phone. I consider myself a safe and passive driver but I got dinged a few times for what the device recorded as a hard break. I caught on quickly and would much slower then usual or necessary approach a stop sign, intersection, turn etc. I gave up pulling over to let faster cars pass because the turnout lane was not long enough to accommodate the long and slow process to come to a full stop that the device required. Thankfully I live in the country so there are not too many traffic lights. In a big city you would get dinged for a hard break several times before work and then again after. The thing in the country though is that we have lots of deer. I may have to reduce speed or even swerve a little to avoid hitting the deer. And don't get me started on the pothole swerving necessity. Driving after a certain time on the weekend would also automatically get you dinged. So if you are living way east and decide to go on a road trip west bound, either stop driving quite early in the evening or get dinged. When my insurance came up for renewal I send the device back and was prepared to have to pay more for insurance. The peace of mind right after was amazing, I drive normally again and not totally paranoid what could get me dinged this drive around.
Oh, the app magically knows if your brakes were 'slammed' due to being cut off in traffic by another driver, an animal darted in the road, avoiding debris in the road, or evasive measures to avoid an accident
actually it does, because it uses sensors and radar. It can also hook up to your car's computer. Google maps knows exactly what you're doing behind the wheel.
@@privatecitizen1246not in my vehicles.
@@privatecitizen1246but how would they differentiate between emergency maneuvers or driving like an a-hole?
Steve, the law needs to be much more than just being clear about what data is being gathered or sold.
It should require that EVERY app have a "Tracking Opt-Out" option as well as a "Do Not Sell Data" option.
Those opting out options need to be ON by default, not off
No. You should have to write the companies stating that you want to opt into something or you want them to sell your information!!!
The only way to be safe is to not use it at all.
The worst thing the gov did some years ago about privacy was to insert the "OPT OUT" provision.
You should not have to opt out, you should only have the ability to opt in with very clear written contract not over 200 words long, in bold type, on one page and with the ability of a 3rd grader to read and understand.
I use this idea from the US ARMIE'S training manuals for the common soldier.
@@mutteringmale
Totally agree, actually. Unfortunately, that's water under the bridge now.
According to my auto insurance company (geico). My rate is determined by the way other people in my area drive. My rate has gone up over $75 in two years. My driving record is spotless.
That's how progressive does it in my area. Standard rate based on local then discount or penalty based of record.
@sewerrat7612 Yep. Many years ago a rep from Progressive told me that the intersection where my apartment complex at the time was prone to a lot of accidents especially left turns. So I had to pay an extra $100 a year just for that. SMH
I don't have any of those apps, but Google maps definitely knows when I'm on my motorcycle....
Yup. I have Farmer's discount driving app, and I took a ride on my MC and oops! I was " driving distracted" and "Driving making hard stops" etc.
Forgot to go to Airplane mode....never again.
Yes, Google Maps can tell if I'm walking, running, cycling, biking, or driving.
@@adambirman2379 That's why I rarely have the location and data enabled, and never wifi and bluetooth when out of the house.
Literally uninstalled the My Radar app while watching this video. Thanks. 👍🏻
And GasBuddy. Good riddance. I didn't join their DRIVES program, but after learning about this practice I cannot trust them any more.
This sucks if it’s true. I’ve had the annual membership for two years now for hurricanes… Going to do more research on this before I cancel the subscription and find a replacement.
This is going to be used to invalidate insurance when people make claims, "its part of our terms that you will not break the law while using our insurance, but 22 hours before the claim incident we noticed you doing 61 in a 60 mph limit so have cancelled your insurance effective at that time."
GEICO canceled my policy because I supposedly using my car for deliveries. What? I can't use GPS to find a place where I've never gone?
@@JReyesTbn46i have them how they gonna know if im in my car or the roll of truck
@@Randytrevorson420 Do you have their app on your phone?
I just deleted it on mine h F that!
Are there other companies that Geico is in cahoots with that sells your personal location and travel data to Geico?
I actually kind of like that approach as long as it is fully disclosed and might voluntarily sign up for it - or even demand it. The only fine tuning on that might be that when the "infraction" is unrelated to a loss that the discrepancy has to be much larger (e.g. 80 in a 60) and there has to be some way to triangulate and confirm the validity of the discrepancy if it is going to be used to cancel my coverage. I'm a big proponent of nailing people for using their cell phones or doing other stupid stuff while driving. There have been three very satisfying occasions when I have observed an a-hole doing something stupid then, when I have found them pulled over by cops ahead - presumably for speeding or something - I have pulled over myself and politely waited for the officer to step over so that I could discretely advise him that I had observed the driver being erratic, possibly drunk, but definitely on their cell phone, eating food, and being generally a danger to themselves and others on the road. On one occasion, in the case of a particularly annoying person, I advised the cop that I think I saw the driver brandish a gun at a pedestrian back about a mile or so and that I felt it was my duty to at least warn the officer in order to head off any violent outburst by the possibly gun-toting motorist.
Well now that one mile an over the posted speed limit can be easily be contested in a local or state court of
law and bring scunion on an insurance company quite easily because Federal and State Mandates in the
Vehicle Codes and in a court of law states that there must be an allowance of plus or minus X amount of miles
per hour based on a OEM speedometer calibrations both at the factory specifications and the taking into
account the wear and tear of the instrument and associated speed sensing gear onboard. Some states last
time I checked back in 1999 was around +/- up to 8 MPH and this was also in consideration with the use of
even digital speedometers. Some states like Virginia, State of Washington, Connecticut, perhaps even Missouri
and Georgia will tend to zap you with a ticket for 1-5 MPH over the speed limit which is absolutely ludicrous and
it's all about the Revenue Stream of income coming into the state. Yet if you are federal property as well, they'll
zap you for about 5 miles over if not for less and this makes for a ticket that supposedly you will not be able to
contest! But now it's all about whether you do your homework in knowing what your state and local laws read
on the books and also knowing what your rights are! And so if you were to try and present your findings in
accordance with said laws and present them in a respectful way in front of a judge, well then this could end up
most in your favor and get the so called offense dropped all together! And as for the insurance company that
should all of a sudden decide to drop you as a result of a very, very, very small infraction, just report them to
your State's Attorney General's Office and the Insurance Commissioner's Office for review and they could very
quickly tell the insurance company where to step off and perhaps fine them for such conduct OR maybe tell an
Insurance Company to pack their bags and leave the state altogether for totally inappropriate business practices
if they received entirely too many complaints in regards to the public and doing outlandish things that are not
copasetic with the State Licensing Board and the agreements thereof! I've had some speeding tickets back well
over 25 years ago that I had to deal with and so long as you present yourself in an appropriate manner in front of
a Judge and you are not just trying to skate out of a ticket just because, you should do fine in court. A judge may
however so decide to reduce the fine of you ticket instead of tossing the a speeding charge completely out! These
sorts of things are really dependent on the Judge's decision. If you are there to completely annoy the Judge in the
first place, you'll be on the losing side and if you are respectful and cite what the circumstances that you were
possibly caught up in, in the first place that led up to getting that ticket , well then things may go your way in the
decision outcome. And, in some circumstances, it doesn't hurt to apologize when you were in the wrong either!!
What people don't seem to know is that you don't have to be at fault in an accident for it to increase your insurance score. In my case, my vehicle was totaled due to the combined damage done in two separate accidents, neither my fault. The insurance company paid me what they said it was worth before the accidents. The insurance company then raised my rates by a factor of 4. $400 to $!,600 for 6 months. Their reason was I had a high insurance score! Another reason why Michigan's no fault insurance scam is no fault in name only and is just the opposite of in application!
Here is some food for thought I was told by an insurance agent that say for instance you live in an area and your State Farm and you have over 2000 State Farm members in your ZIP Code for each time anyone of those members have an accident everybody else pays for it. That’s why the rates increase and change all the time. So you’re paying not just for you but what other insured members in your zip code have accidents. That completely pisses me off.
Insurance companies went woke many years ago. They don't use actuarial tables. Why? because certain people who live in certain areas and are on welfare and have criminal records commit almost all the crimes, DUI, crashes etc. And the rest of us have to pay for them. It's "Welfare Insurance" paid for by good people.
@@mutteringmale- How infuriating! Everything that is w ok e stinks to high heaven.
@@FP65 Yah, but since the average IQ has fallen quite a bit, and the teacher's union has destroyed education, the average person loves woky stuff and black washing with imbedded cigarette and beer commercials like Netflix does.
That's the excuse Progressive gave for the huge increase in my premium. I argued that I have not had a claim ever since I signed with them. But it's what other drivers have done that's increasing my rate. Smh. When the government made insurance mandatory they made us sitting ducks for disadvantage. Sounds like allowed robbery to me!
May be best to turn off GPS when not needed.
Please keep the consumer protection videos coming. I try to keep up on this stuff and haven't even heard of this.
The apps came out years ago. The carrot was to get a discount for good driving .you have to have th a app on while drivng
Have a dash cam and send in the footage
The government should start taxing data brokers and apps that sell personal information at 85%. The country is missing out on free revenue.
They're participating in the buying of data!!!
Im sure the govt invented or approved this technology so i can guarantee they are banking off it one way or the other, mainly the nation wide scam they created and called insurance
You think more taxes are the answer? Smh
Do you really think the companies won't pass on those expenses to the consumer?
the government is paid off by these companies and probably funding these companies… all they want is supreme control
Lol the government!?
Private investigator tip-- if you're not expecting a call but ur phone travels with U, put it in either a Faraday bag or a small Biscuit/Cookie tin like one of those small shortbread cookie round tins. We tested the cookie tin locally, it works like a charm. And remember our favorite bumper sticker < Jeeps are cute Barbie has one>
Or airplane mode!
Thanks for sharing.
Noice
Greetings: This reenforces my statements about the Real ID Act and the new generation of "smart devices". Such devices R the favourites of the NSA. Thx 4 the share. Repeal the Real ID Act!
Nothing wrong with the real ID. It actually helps me go through airports much quicker
@@christophervanzetta Greetings: U cannot accurately say "nothing wrong" when U do not know the facts or situations which it denies. Ur R in such situation that affords U that privilege. Express check in can B acquired without the Real ID Act.
Welcome to an introduction of WHY we need to take better control over our digital systems. I have been saying these things for years on my channel!! Great video, Steve!
You are also tracked though your credit card. Always pay with cash.
For stuff like weather apps, where you only occasionally want to actively check their data, disable Background App Refresh, and change location use to only "while using".
It's not perfect (the app can't preload the current weather and give weather alerts), but it helps.
Keep in mind if you have a teenager who is on your auto insurance policy one accident raises the rates considerably two accidents make it almost unaffordable. They're going to place your youngest driver in your most expensive vehicle as the primary operator. As long as that person resides in your home your rates are going to be astronomical as a result of teenage accidents. Insurance companies vary, laws in different states vary. In my opinion if you have your homeowners, auto insurance, extraneous insurance of some kind with one company, they know everything about you. You agreed to it when you bought the policy and signed the forms.
I started driving when I was 17 and got my full license at 18. Shortly after that my father bought a 2006 dodge grand caravan as my first car. Say what you will but I actually liked it. The insurance assigned me as the primary driver of his Ram 2500 pickup truck. My father straightened it out with a very colorful phone call. He didn't let me drive the truck, his other car at the time was a stick shift, and the minivan was the only one I could drive at the time. They again assigned me to the Ram truck when I got a 2012 dodge grand caravan after the engine died in the 2006. (I told you I liked the van) My father once again went off on them although by this time his other car was an automatic transmission Subaru and he did let me drive it if the van was in the shop or something. Not sure if he told them that. Lol. I'm 26 now and on my 3rd dodge van and just a few months ago I decided that since I was past the 18-25 age bracket that I would officially register and Insure the van under my name instead of my father. We had it under his name because it was cheaper, particularly when I was younger. No offers of track your driving services but I pay almost $400 a month on a vehicle that is 10 years old and not particularly expensive or powerful. It is quick for what it is and can easily get to 100mph if I want to (I don't) but most vehicles today can. I'm just wondering when insurance will quit screwing me and at what point they stop viewing me as a dangerous young driver and start viewing me as the adult I am. I know I'm not 40 or 50 but I'd like to think that I would be a better driver than an 18 year old kid that just got out of highschool!
@@bbol745hell i never paid that much for insurance, and I'm not 40 either. Most i paid was $800 for a 6 month chunk and that was when i had a Tesla model s. Before and after i only paid ~$600 and now $345 for 6 months. The 6 month chunk has a discount, i think it's like 2/3 of one month reduced. All other vehicles I've insured are also older than y2k. I'm considering hunting for a diesel pickup, but no newer than 07
Thx for informing me of that! I need to sue my cellular phone company & my insurance company for conspiring to invade my privacy, preforming an unlawful surveillance of me without a warrant.
What upsets me is now your employer wants you to install apps on your phone, apps that have insane permissions and have a disclaimer that they sell data
My mom works at a doctor's office and they had her install a 2FA app on her phone and when I looked at it the camera permission was enabled. F these companies.
"I'm sorry, my phone isn't compatible with the app. Please provide me with a work phone."
@@roxcyn Excellent, excellent, excellent response.
I'm pretty sure that's not legal. If they make her have a certain app then they have to pay for the phone as a work phone.
It's not a good idea to have it on a personal phone.
Yea, there's no way you can require me to install anything on my *personal* devices that's for work purposes, if you want that, at the very least you'll need to provide the device.
@@Nirrrina I told her to grab one of my old phones and reset it, put the app on it and keep it at work
Been driving for 30 years, haven't had a moving violation in over 25 years. Bought my very first brand new car 5 years ago, requiring full coverage for the loan. Have paid every premium on time, no tickets/accidents/claims since owning the vehicle. Insurance has religiously gone up $40 per month each year I've owned the car, $20 increase every 6 months at my renewal. The only way I could get a reduction in price was to re-negotiate the amount of total coverage, which only dropped the price $60 per month 2 years ago. The car has 10,700 total miles on it in those 5 years. When I asked for reasoning to the increases they stated it's a high risk vehicle. I asked what this constituted and the response was OTHER drivers frequently get tickets in the same model of vehicle so I have to pay higher premiums.
IMO... do two things. 1st get a hard quote from another provider. Then use that quote (which you can e-mail) to your current provider to lower your rate. In this world they need evidence your serious you can get a better deal. And when they agree to match or beat it... don't accept. Tell them they have put you through so much effort that they need to give an incentive for you to not accept the other offer. Like maybe a 3yr price hold on your rate.
You hold the purchasing power... NOT them!
Never been in an accident and no tickets for over 20 years. I was told the reason my premiums were so high is because there was a million people in the area I was in and most had no insurance.
Same thing happened to me. Perfect driving record, always drive safe and reasonably but because of disasters in other states, my rates increased. How is that legal?
You absolutely cannot keep staying with the same insurance company. You are the frog in the slow boiling pot. They will keep turning up the heat a little bit so it’s not too uncomfortable.
Sucks you're just catching onto this.. been this way for about a couple of decades now.. I guess you're actually lucky you're just now experiencing what a lot of have been for quite awhile now
I use a lot of rideshare services for most of my transportation. If my driver acts like a maniac, do I get punished? What if I get kidnapped?! What if I lend my phone to someone? What if my child's phone is attached to my account?
No. Any use of app data to affect insurance rates is fraud, and ought to be treated as such. Plain and simple.
What if I use my phone on my mountain bike. I wonder what they make of jumps, drops and highspeed sharp berms?
if you dont drive? why the fuck do you have CAR INSURANCE
@@nomercyinc6783 Glad you asked! There are two main reasons I use rideshare services. Sometimes parking is limited or expensive at my destination, and it is both faster and cheaper to get a ride. Also, I enjoy going out for a few drinks with friends and family sometimes, and being a responsible adult, I don't drink and drive.
But the same principle applies any time I am a passenger in someone else's vehicle, such as carpooling with friends to save on gas and parking; riding a bus, train, tram, or shuttle; and so on. There are many reasons why a licensed and insured driver may be a passenger in another's vehicle.
The point is that even if we thought it was okay for our phones to spy on us to improve the accuracy of insurance rates, it is almost certainly impossible for that to happen in an accurate and meaningful way in most cases. And I think they know that. It is my belief that this is not designed to save money for good drivers, it's to find ways to increase rates for all drivers. This is, in my opinion, fraud.
@@nomercyinc6783Glad you asked! There are two main reasons that I use rideshare services. Sometimes, my destination has limited or expensive parking, and it is faster and cheaper to get a ride. Also, I sometimes go out for a few drinks with family and friends, and being a responsible adult, I don't drink and drive.
But really, this applies any time someone might be a passenger in another person's vehicle, such as carpooling to save gas or riding on a bus, train, tram, or shuttle. This data almost certainly cannot accurately reflect my driving habits or ability, and I think insurers know that, which is why I consider it to be fraud.
Great topic thanks for bringing this up and putting it on our "radar" no pun intended.
Allstate, progressive, and Hartford all have data collection devices. Allstate, progressive have plugs that go into OBS port. Hartford has a app. My app comes up when I'm trolling in my boat at 1 mile an hour 🤣
You realize that port is only supposed to be used for scanning purposes and isn't meant to be used when the car is in motion. I absolutely turned the discount offer from my insurance company.
I tried the Progressive dongle about 10 yrs ago. It drained my car battery and would leave me stranded....
@@jilbertb that was ten years ago. I currently have it and it has no issues like that. If I leave a dome light on in my car it'll refuse to start.
I have progressive, i only needed the obd2 port dongle for 6 months
If you have an app on your phone that starts tracking your speed when you are fishing, throw your phone in the lake.
You made a good point, what if your riding with your buddy who drives a Hellcat Red Eye?
Oh, and I just deleted MyRadar from my phone never to be put back again!!!!
Going out for a ride with your buddy today huh ?
@@timc333 I do have some friends that have rad vehicles and enjoy riding with them. Wish they would let me drive but fat chances with that wish.
My job has a driving score for all of us drivers. I routinely rank in the bottom half as a result of my inability to stay within the speed limit. I’m also hurt by the fact that I am listening to your channel while I’m driving all over the place 😂
Born in '84, so I grew up with the internet and all the related crap around it. I watched as my friends always jumped on every new bandwagon of social media and various "assistance" features of phones and computers. From day 1, I realized this is a bad idea, because this is digital information that almost never gets erased, and exists for the world to see. Basically eliminating almost any privacy that you have. I never participated in any of it. I don't think there is even a picture of me that exists online. I tell my close friends to make sure to not post any pics of me, or at least never tag me in any of them. I don't ever use the AI or assitant features on my phone, stay away from most apps (especially "free" ones), and block every piece of data reporting that I can. Same for my cars...I turn off any data collecting, reporting, logging, or emergency services.
What you're describing is the great divide in the world between the drooling masses and you. congrats.
@@mutteringmaleThe main problem I have is that a lot of the people willing to trade their privacy for a free feature, are the same people that are always too eager to trade their freedom for the feeling of "safety". Not real safety, mind you, but just an illusion.
@@BigBear-- That why we have teachers, grave diggers, ditch diggers, clerks and janitors, these are the masses of mooing maroons that need to be comforted....they should thus not be allowed to vote.
We need to go back to being a real republic, not this insane democracy.
I had insurance that provided a tracker thing that you plug in to your OBD2 port. I think I'm a pretty good driver (like the rest of the world thinks they are!) with nothing but 1 speeding ticket in the past 20 years. I will say that I will NEVER have insurance with one of those driving nannies ever again. Living in Metro Detroit provided me with so many "Hard braking events" from being cut off because I was following someone at a safe distance and another driver decided that was enough room for them to pull in to, or from people pulling out in front of me. My "discount" evaporated in no time. It's like they would rather have you hit someone instead of slamming the brakes so you don't.
Yep...I've seen many forums say its also better to run reds and stop signs to avoid "hard braking events" than to try and stop if it changes quick or appears on a blind corner.
A clear example of perverse incentives, and why any metric you can possibly track that someone knows they'll be graded off of will immediately become worthless.
Great story Steve. I may have to delete the MyRadar app from my iPhone and carry it in a faraday bag when I leave home.
Also worth noting: GM said they'd stop selling data to one specific buyer. What about all the other buyers? Or the data brokers who'll immediately turn around and resell it to said specific buyer.
Exactly. Always assume they’re doing anything they can for a quick buck.
Plus phones come with built in accelerometers for reasons not necessarily tied to this. But it measures how hard you accelerate in any direction, laterally, etc
If you turn off location tracking on your phone you are the only one not getting your data. I am replaying in my mind a scene from Criminal Minds where Spencer Reid calls out an auto maker on this very thing. Most consumers don't read the EULA, he does. They are watching and recording.
This is why you install a VPN on your home network and then configure your phone to connect to the VPN. Then, even when you are using mobile data, all requests will be forced to go through your home network. From there you can install blocks on any data you don't want sent out.
@@customerservice2902 Will that work 20 miles away on the expressway? While at a store the next town over? This is about tracking driving habits. I know about VPNs and using home wifi for calling.
Criminial Minds is not a documentary.
Disabling tracking works because all that tracking actually drains the battery.
@@jamesphillips2285 The point to the example is most people don't read or understand that auto makers tell us they collect data. Your reply reminds me of several Steve Lehto rants on the Vault.
I've had my flashlight app want to know my location. Of course I said no because it only needs to do one thing. It doesn't need to know where or why, just shine a light until I tell it to stop.
There's a flashlight feature baked into both iOS and Android phones, no need for an app, those apps only exists to steal and collect data.
I have a medical app for a health condition I'm monitored through. I can't use the app without turning on location. Why?? This bothers me
@@dawnhoughton4533 You need to enable Location to use BluTooth.
I remember when a lot of apps were coming out and I kept telling people stop installing these apps. Just use the web page if the company provides it. And my friends tell me I'm paranoid. And then I would tell them no, I've been programming for like 15 years. I know what's happening in these apps. They're just tracking everything you do. And then my friends would ask me to describe why it's a problem that Taco Bell is tracking what they do... *sigh*
And even if they were tracking me, which you haven't proven, why would I care?
So then I would decompile the APKs and go through the APIs that they were using and show them. Yep, here's where it asks permissions for all kinds of sensors on your device. Here's where they're collating the data for all the fucking sensors on your device. Here's the API that they're posting it to to their servers.
Steve, if the phone can link to the system on board your vehicle, the answer to your question is "HELL YES"!
So, I drive some old school vehicles, 1973 Ford F-250, 1977, F-250, 1972 Ranchero, and my old Toyota Camry, none of them are connectable to the phone and Internet, so they are a little harder to identify unless they use the travel camera system to identify you by your cell signal and tie it to a video of you and your vehicle from the travel pole cam systems but they would need a signal that they could triangulate and track movements of...
So ultimately those signals can come from your wallet, a tag, or one of the chips and implants they put in your own body...
We must understand the level of security they have managed to create in order to track us around like this.
I put the OBD2 thingy in my car when I had Progressive back in 05 for a while. Then one day I realized what the hell I signed up for and sent it back in the pre paid box they sent along with it. I signed up to let them spy me for a while. And I am/ was a mechanic . What a total maroon
I have an EMT friend who had an insurance company that dropped him for "reckless driving" while he was on the clock, racing people to the hospital.
I wonder if he told them his profession. Also, they may know and have decided he is a risk taker who speeds for work and therefore may be more likely to speed in his own vehicle as well.
@@Moosetick2002 how would working as an EMT equate to "risk taker" ? these are a lot of leaps you (and they) are making.
That seems a bit counterintuitive.
@@ShanaReneeyou're incredibly naive. This is exactly what they'd do 5:06
Being on the clock doesn't make it cease to be reckless driving.
FWIW: A weather app would be tracking your location to provide localized weather forecasts. Sometimes those forecasts can be very specific, such as "in fifteen minutes it will rain right where you're standing". Not "somewhere in LA will have rain", but specific your current location.
True, but why would they share your information? . . .
I used My Radar twice, made sure permissions let it connect only when the app was in active use. It ran in the background and collected data and the sent the whole batch when the app was opened. The adds made it really apparent it was collecting data from other apps as well. Deleted it.
@@tegimr - I completely agree that part is bad. But Steve asked the question "Why would a weather app need to be tracking you?". If you change the question to "Why would a weather app need to know your location?" then the answer becomes more obvious. But of course the only way to know your location, even for legit reason, is to "track you".
This is very true. I have AllState as my insurance company. They know about how fast I go, if I have accidents, etc.
I was driving along & all of a sudden I had this eerie feeling someone was watching me.
Always check app permissions in the store before downloading/installing. Support the small app developers that don't ask for unnecessary app permissions.
Yep When looking for OBDII reading apps: only found 2 that don't sell your data.
if you go with the flow of regular traffic at Denver Airport, your insurance will ding you speeding 50MPH in a 20MPH zone. Even though the majority of traffic is going 50 MPH. DIA starts the 20MPH far sooner than you would expect but it is not strictly enforced.
What speed does the phone report you for going at when you are in the aircraft?
One aspect you might have missed is that they don’t need to track your “driving data” but simply location is a lot. A weather app that tracks your location alone can use your location data to know when you were driving/speeding/stopping for gas, etc. With AI and other tools it’s very easy to do a lot just from location data.