Insurance Up? Your car’s snitching on you. 

My old car also lets me actually drive it and modify it how i please.

Same.

You have a phone, right ? Google maps is tracking you with your GPS.And insurance will mostly not apply any bonuses to you because they have no data on your driving behavior. They will find a way ...

This may not be a now "problem for you but your kids Marty someone's got to do something about your kids. "

Nobody makes old cars anymore

Yeah but then GM or who ever will just brick your car and say "you tampered with the car even though in the EULA it clearly states that you can't do that so suck it"

While I do think that'd be a baller service, it would also no doubt void any warranty that car had cause manufacturers hate you.

Not how warranties work. They would have to prove the dumbing caused the issue. Already legal precedent for this.

Good luck with how complex cars have gotten and how different each model is to another

​@@kosmikme Living in a world of fear produces chronic stress and impairs our immune systems, increasing inflammation and the risk of depression and physical disease. Stress also shuts down our higher brain centers, blocking our ability to think creatively, to discover solutions to our problems.

The cheapest policy I saw recently included a black box, and when I investigated this policy pretty much every user said it was like having a very nervous Grandma screaming at you from the back seat and everything you did was worth penalising.

@@kantpredictI’d be shopping elsewhere. Too much info being fed back to tracking equipment.

Upvote this everyone!!!!

genuinely considering becoming one of those online privacy nuts

Online privacy nut is an oxymoron. You can’t be online and be private. Much less comment on a RU-vid video with an account linked to all your personal information.

Wouldn't that also apply to smartphones?

To anyone which didn't get the memo polling registration data is when you vote

@@the_expidition427 sorry no vehicle registration data from local dmv’s

@@the_expidition427 While the words 'polling' and 'registration' are *also* used to describe certain activities within the US voting system, those words still mean the same things, but are unrelated to this specific instance. In this context, the word 'polling' is describing the data collection technique: polling means 'periodically querying the instantaneous status'. The word is used this way in many engineering contexts: 'polling' the status of IO interfaces on a microcontroller, for example, as opposed to the technique of using low-level interrupts. Lexis-Nexis does not have a direct, live feed of data from state motor vehicle registries. Instead, it periodically queries each state motor vehicle registry, and if possible, buys a snapshot of the total available current data. So the phrase "connect vehicles to current drivers through polling vehicle registration data" means that the data broker uses vehicle registration information available from the state (that is, to which person is each motor vehicle registered, which includes identifying information about both the human being and about the specific car) and correlates that information to the vehicle activity data from the second, unrelated source (in this case the telematics data that the vehicle manufacturer is collecting and then selling). It *is* worth noting that voter registration information in most states in the US is a matter of public record and not considered private. Most jurisdictions have to hand out the voter rolls to anybody who asks. So while that *also* represents something of a privacy nightmare, it's not directly related to the auto insurance thing.

wait two rapid accelerations and one hard braking was enough to deny? what? there are times where you have to rapidly brake because oh, I don’t know, some dumbass pulls out in front of you and doesn’t accelerate at all? or rapidly accelerating to merge onto a freeway on-ramp that’s 200 feet long? this is absurd.

@@spence8920to clarify this comment is wrong. The lawsuit is a class action from a guy in Florida who alleges he never agreed to the data collection. I didn’t see anywhere his numbers where cited but his insurance left Florida and he tried at several places to get new insurance and they all refused him. He got it through a local agent at double the rate. The 2 braking and acceleration events seems to come from a guy in Seattle talking to the New York Times. Those events happened over the course of a single 18 minutes trip. The insurance looked at an entire six month period not just that trip. And his insurance only went up 20%

Not really as long as you have good enough laws governing insurances (and actually enforce them of course)

So, who pays your medical bill if you get hit by a insuranced person? That is why it is good to mandate it.

What? Get out of here. Everyone has to have insurance or you shouldn’t be on the road

It should be but it won't be. When your data is for sale, anyone can buy it. And one of those anyones is the government. They really enjoy having all this info on us. They will do nothing to punish these companies.

@@BorlandC452Oh, absolutely. I know nothing will be done about it. The federal government basically ignores the 4th Amendment more and more every year. Best we can do is find way to mitigate what information they can get their hands on.

The data is so valuable these companies can spend millions on lobbying the government. Which means it will never go away.

That makes sense, i wonder right, would you really need insurance if car repair wasn't like that? I usually hold the opinion that corporations wouldn't have the power they do without legislation, therefore if you takeaway the governments power over people, you take away the corporations power since the money and legislation go hand and hand. I'd like to think the problem has always been specifically beaurocracy and government even( if i'm using that word right). Of course thats just what i think, i reckon the idea is that its supposed to be a 'hidden hand' so thataway you can't pin whose stolen what from you. And so because power is centralized from my point of view, i think AI will be a perfect fit for the job of being a thing that governs or controls. My opinion is that at some point its not about money, but actually power. Anyways long comment sorry lol

Former mechanic here. Repairs also cost so much because parts are obscenely expensive (all those sensors add cost), more and more specialized tools are needed (especially for German makes), and though I wasn’t an owner or anything, misc costs and insurance became very expensive in Canada

It's the same reason doctor's charge so much to health insurance. Specialized tools and training, plus a high cost of those tools and training, plus a system that rewards screwing over everyone involved. Insurance, as a general rule of thumb, is just a bloated scam that's baked into laws by crony capitalist pigs.

Learning to repair a vehicle isn't that difficult. Be self sufficient and drive older vehicles that you can maintain yourself.

​@@SethCrowderMusicGovernment having less power means companies have less that can check them from soing things like this. A true free market doesn't work. A true free market gives you things like the US medicine market, where life saving medicin is literally 10 times more expensive than anywhere in the world (and no, it's not sold at a loss anywhere else.)

Accept this, or you can't use the infotainment system of your car that you can't return and lost 30% of its value.

you don't agree to those when buying a used car not from a dealer.

EULA Roofie

For those ten seconds or less, driver is free.

Or TVs being bricks if you don't agree. Hisense lets you skip it out of the box, but their firmware update removes that. And you can't roll back without agreeing.

Go buy an Android phone at any price point, if it's got Google Andoid on it, you most likely can't refuse the Google Play Services EULA, this automatically enables the "find my phone" thing, which then constantly sends reports of your whereabouts to Google.

Oh lord

credit score in the US sounds horrible and I really don't like how it's so normal nobody talks about it.

… Why shouldn’t one have a credit score though. It’s a measure of how likely you are to repay a loan. They basically exist everywhere.

@@eomoran Yeah but it's not nearly as prevalent in day-to-day living as the US. Like, do you ever stop and realize that debt and loans are a part of your culture now?

@@DanielFerreira-ez8qd Yeah, Americans are so ingrained in debt culture, that when I tell an average American that the only debt I have is from my credit card of which I pay off every month, they are mind blown, it’s wild how they are so comfortable taking on debt for the most basic of things, and it rubs of on people that immigrate to the US because that’s just how the system is and you are kinda encouraged to.

Clicks no, car shuts down.

@@jackkatoghpulls out jumper cable

I drive a 2022 Nissan and seems every few times I turn the car on the data notification somehow re-enabled itself. I was already irritated over it but now I'll never buy another Nissan because I'm sure this is why my insurance rate went up over 30% last renewal cycle even though I haven't been pulled over or ticketed in over 15 years

same ford escape with aftermarket receiver, would love to know why my 22 z900 insurance went down 300 as it sees frequient 150mphs....

My worry is gas cars being banned from the roads eventually

Me in my 95 lexus: 🤣

2013 focus keeping mine because its easy to fix also its a manual so no one wants to barrow it lol

@@ChaosDom69 manual nowadays is literally the best security feature you can have.

Like in europe? 😁

No the real solution is changing how data collection and ownership works... but thats a long term thing. Its better to use tech to enforce privacy and ownership then people/laws.

​@@scooterman30both of these could be "the real solution" you can add to the conversation without putting other people's ideas down

@@chriscab47 not trying to, just the reality is that as long as others have your data, nothing stops them from abusing it, regardless of what a government or democracy says.

​@@chriscab47"the real solution" is for people to wake up and realize that data collection is NOT HARMLESS

No. They can look up the Vin and who its registered to (most likely) and if anything else, if you are contacting the insurance company with a new vin to register, you would be a different person. They would know you were not the one doing the hard braking.. But, they would know from then on.

@@lyianx Unless you find the antenna transmitting the data and disconnect it.

Pretty sure it's embedded in the ECU and body computer, it's just firmware running on the same old hardware of 20 years ago, only that now it can send data trough the body computer. Rip out the ecu and put an aftermarket one, you'll lose tons of functions and it will be a pain to program but it can also allow you to finely tune your engine and have fun with the car

In the uk we have black box insurance we’re they will send you a black box that you either plug into a cigarette lighter or have battery you can’t replace and if they don’t receive any data from it in two weeks of you starting your policy they can cancel it.

@@alecleng520 That insurance appears to be by choice, which is fine. These black boxes in the U.S are apparently being installed with no knowledge to the consumers. It's creepy to put it lightly, like most things corporate these days.

Absolutely. Credit based insurance score. I get tired of repeating it daily to policyholders

Has such a fine ever been issued so far though? Haven't heard of an example.

They normally get a lower fine.

Are they still allowed to force you to accept PP like they used to? I mean, for example "accept the PP or we disable basic functionality"

My renewal was set to double for no discernable reason, so I rejected it and started a new policy elsewhere. Had to reduce it to TPFT instead of comp to keep the price the same. Got my parents to 0% loan me the annual amount and I'm paying THEM monthly instead of the 28% APR to the insurance broker.

You let her behind the wheel, if she crashed you're liable and subject to civil lawsuits. Don't let people drive your vehicles unless you trust them with bankrupting you.

He wouldn’t be liable so long as she was insured on the car.

In the states, insurance follows the vehicle first so you would rightly pay higher rates as your vehicle is a higher risk.

What kind of car?

@@eomoran you don't understand civil liabilities in lawsuits. If your cat plows into a Lamborghini dealership with you or your GF behind the wheel they're going to sue you in civil court for what's not covered by the insurance. They'll get a judgement against you until you die and deduct payment from your paychecks every month. They'll take everything you own (house, boat, vehicles, retirement, etc) Edit-leaving the cat part because it's not only hilarious but factual, if your cat is behind the wheel you're still liable

They keep selling the car and would blame whoever sold the car for not making the buyer sign the agreement before they'd do anything to solve the problem, I fear.

As is the purpose fo the whole shebang: enable IT companies to collect data while keeping public outcry low. Thus, only the most brazen violations of the customer's interest and consent are forbidden. It's better than nothing, but far from enough!

It pulls your registration/DMV info to find the driver

Don't buy any car with GPS or smart features. Or to be doubly sure, don't buy a car made after 2010. The car company I work for has facial recognition in most cars after 2022 as standard and definitely is doing all the data mining of driving habits. Nothing I can do about it though.

Generally speaking when you get insurance for your car, that policy is tied to the VIN of said car. Your policy is already directly tied to the VIN of your vehicle, or at least whatever VIN you tell your insurer. Whether a car is second hand or not is irrelevant. The issue is your car tracking this data, sending it to the manufacturer, who then sells it to a database that auto-insurers buy from who can then cross-reference this data with their own policy library. Bam, they now have a connection with your car's data attached to its VIN and matches it to a policy with the same VIN. They now know your exact driving behavior.

In most countries a car must be registered in its owners name to be road legal.

It’s honestly a good trade

felt bittersweet relief about your situation. Less features and pay more.... Here in Mexico it's the same, and we're separated by a mere river!

Over it’s called Liability coverage. Same exact thing covering the other end. Uninsured motorists, optional coverage. Medical payments, optional in most states and Personal Injury Protection also optional in certain states. Then, comprehensive and collision insurance. The big liberal, “blue” cities as some refer to have the highest insurance rates along with fraud. Shit is crazy

Black box insurance plans are opt-in, whereas this probably doesn't have a reasonable opt-out. The existence of black box plans opened the door to this, so it's by now means ok either. But this is a few steps worse!

And to top it off when it comes to Canadian Privacy law, (I am fairly certain not 100% on this) its against BC, Canada and I believe Alberta law to do this. Would not be surprised if the next thing I hear out of the BC's privacy commissioner that they have started a joint investigation into this

Most likely if your car is 2003 or newer it has a black box and computer which records everything. After an accident mechanics from dealerships can download the data and then the dealership can sell it.

Already is. Most people just don't eceb know this is happening yet.

I opted out of the obd 2 port thing when getting insurance. All it does is snitch on you for bad driving and gives insurance companies "justification" to charge you more

A ticket?? Bro they will tow your car

They will tow the car because it cannot legally be driven on the road. It isn't even a ticket situation sadly

Open source cars would be awesome.

Sounds like you mean what we call Third Party Personal insurance, so if you injure a person you are insured, but no damages to property is paid out. We have that in Australia, but tied to the vehicles ongoing registration. We also have another insurance which covers the instance of someone being injured who might have been denied compensation because the driver was not fit to drive, thus not covered by insurance. It basically covers medical costs for people who sustain long term/life long injuries from accidents.

Texas allows you to self insure

Doubtful, as they tend to just keep increasing premiums until you leave. Don't forget a lot of insurers are cross insured and they have to cover losses in other areas, such as fires or some other payouts. They may increase the premiums in a low claim area to pay out claims in other areas.

Remove it entirely 🤷

@@iuse9646 remove what?

I'm seriously considering this but I don't have a garage.

@@us3rG neither do I, plan on doing it in my living room