Car Insurance Companies Want to Monitor Your Driving Habits
From the “You’ve Got to Be Joking” File
The National Motorists Association newsletter recently warned drivers about car insurance companies offering discounted premiums to customers who agree to install a transponder (think of it as a black box) that monitors the driver’s ongoing driving habits. Progressive, for example, offers this discounted premium under the name Snapshot. Their marketing makes this device seem more like a buddy than a threat (this little device turns safe driving into savings!).
My advice to drivers: Don’t Do It.
Reasons Why Drivers Shouldn’t Install Transponders
Let me count the ways:
- The insurance company is more likely to use that data against you, not for you. They’ll analyze that data and claim that you:
- Were driving a few miles over the speed limit
- Didn’t brake in ample time
- Have a history of speeding
- Have a driving pattern of swerving more than other drivers
- …and so on.
- The police can either subpoena or issue a warrant to the insurance company for your vehicle transponder records to check if your vehicle was:
- Speeding on a certain night in question.
- Being driven erratically during a time period when a DUI or other traffic crime is alleged
- …and so on.
- If you’re involved in a divorce, your spouse’s lawyer can subpoena the insurance company for your vehicle transponder records as evidence that you:
- Drive at unusually high speeds
- Have collisions or near-collisions.
- …and so on.
We live in a world where data is king. Wherever it’s stored, it can be accessed by others. If you put a transponder in your vehicle, all the data it records can be used against you.
Shaun Kaufman Law: 303-309-0430
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