Comment by thfuran
1 year ago
Should the fine be the same regardless of whether it's five minutes after school let out out or 3AM on Christmas day?
1 year ago
Should the fine be the same regardless of whether it's five minutes after school let out out or 3AM on Christmas day?
It would be up to the insurer and how their models reflect and manage risk. The point being, individual insurers would be able to better price insurance based on discrete customer behavior.
Should cell providers sell customer data/metadata to car insurance providers? It, after all, in the best interest of the insurers.
If there's enough data to suggest that with a high degree of probability people using their cell phones in certain ways while operating a vehicle causes damages then yeah, there should be a market for that. I'm not saying there shouldn't be legislation that limits which types of data can be shared, but certainly if there's useful information that has a market that leads to better safety and lower insurance prices, then I'm all for it.
I'm curious how that would play out. Speeding is a risk, doing it in a school zone when classes are getting out is a bigger risk, but driving at 3AM is also a big risk.
Driving while tired is a risk, but that's not the same thing.
From the insurance company's point of view it's all just risk. Driving at 3AM isn't just about driving tired, it's about drunk drivers sharing the road. The risk is substantial.