The current state of auto insurance: shit that belongs on a shady Kickstarter from 2013

2 years ago by ch00f to c/mildlyinfuriating

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cm0002 261 points 2 years ago

The motion sensors in your phone are able to pull enough information to determine, with high accuracy, whether or not you're the one behind the wheel.

(X) Doubt

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ASeriesOfPoorChoices -11 points 2 years ago

doubt, but I'd believe it.

If we can tell if we are in the front or backseat due to how it feels when you go around corners and such, so can your phone.

driver side vs passenger would be the same deal.

of course, this is presuming the phone is on your person. Which, if you weren't driving - it would be.

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CosmicTurtle0 24 points 2 years ago

But this kind of thing is ripe for unintended consequences at best and flat out bad data at worst.

When I drive I put my phone in the center so I can see the map. If me and my passenger's phones are in the center, who is marked as driving when I get into an accident?

From there, why stop at one phone? Let's put several phones in the back seat, including mine. Hell, let's have a burner phone that I use only for driving that has a throw away account. Or let's go back to old fashioned maps and GPS devices while our phones are turned off. Meanwhile, at home, I've spun up a virtual device where it is very peacefully driving a route. Perfectly. Then I have another virtual device that is driving a different route on the other side of the world driving erratically.

These companies are forgetting that the data from phones are data from devices, not people. If you're going to spy on me, I'm going to make you fucking earn it.

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ASeriesOfPoorChoices -13 points 2 years ago

"when i drive i put my phone in the center"

that's my point. Or a holder of some kind.

as opposed to passengers who basically never put their phones in the center console.

especially for a taxi or uber. That would be insane.

again: the question is: are you a driver or a passenger? And I'm saying that that distinction is very plausible to make.

if your sole goal is to make it harder to tell in an accident, sure. This is just sensor data, not clairvoyance.

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BubbleMonkey 15 points 2 years ago

My friend keeps her phone in a purse, which she puts on the floor of the passenger side whether she is driving or a passenger sitting shotgun. It’s always in the same place. When we take Ubers she usually sits in the middle so she can see, and puts the purse between her feet. Thus her phone is almost never on her person in the car.

I suspect this is true for a lot of people who use purses or other bags as every day carry. Or perhaps it’s actually in the passenger seat, lots of people use that for bags when driving solo.

So while it may be true for you that your phone is on you while a passenger, that’s a ton of people it isn’t true for at all, who would then be in the “bad data” camp.

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ASeriesOfPoorChoices -21 points 2 years ago

right, but your friend doesn't put their purse in back seat if they're sitting in the front, or visa versa, right?

no person driving should have their phone on them when they're driving, so it's an easy spot to exclude. The rest is logic, sensors and probability.

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chocoladisco 2 points 2 years ago

Why wouldn't I have my phone on me while driving? Where else would it be?

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ASeriesOfPoorChoices 0 points 2 years ago

in a phone holder attached to your windscreen or vent.

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chocoladisco 4 points 2 years ago

Why? What do I need a phone for while driving, that shit is distracting.

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ASeriesOfPoorChoices 0 points 2 years ago

gps nav, music, etc.etc.

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chocoladisco 3 points 2 years ago

GPS Nav: that is a feature a ton of cars have. Else, reading signs and basic orientation is a godsent.

Music: Why do I need my phone out where it can distract me, when bluetooth works fine from my pocket. And if a car doesn't have bluetooth radio works fine.

I think you just like texting while driving.

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