this post was submitted on 10 Jun 2024
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I'm inclined to think this should be illegal because it could lead to a situation where insurance is unavailable to or unaffordable for anyone who doesn't opt in to fairly invasive tracking.
It is kinda like that. We have a tracker that we added because they increased the insurance rate and said if you install this device we'll keep the rate low based on driving patterns.
Basically records how often you drive, hard break/sharp turns, after midnight drives, etc. We don't drive the car often so the prob of accident is low but we recently learned that they can consider not driving enough also bad saying it can make you drive recklessly or sth.
If you can't afford insurance, you really can't afford to get in an accident.
It's also illegal in most jurisdictions. My point isn't that anyone should drive without insurance, but that allowing insurance companies to offer discounts for accepting spying will lead to the spying being effectively mandatory for most people.