My premiums are much less now than when I was getting tickets in the 90s/00s. Haven’t had a ticket in 9 years now, and the one before that was 7 years prior.
@@trentvlak Indeed but I don't take my phone everywhere and it goes into a faradaybag every night at bedtime. I'm not saying turning off your location is the fix but it's start for sure for he average Joe.
I am so happy that someone else is having this concern. I fought with Allstate, when they first had their DriveWise program back in 2013. I was called paranoid, conspiratory, and every other name in the book (the same way I had concerns about identify theft in the early 90s). I tried their program for a month, and I looked at the data that they would share with me (which was extremely limited), but there were "assumptions" made. I had a small light vehicle, that had a manual transmission, so every time I decelerated and down shifted, it was considered a "Hard Braking event" and therefore was counted against me. The rate of deceleration was a static value, but had ZERO type of consideration for the vehicle being driven (my Altima would decelerate/accelerate quicker than what my Ford Expedition would, just by the inherent nature of the vehicle [read: weight, size, etc. - ie my Expedition could not decelerated at the same rate that my Altima could, even with a 4-wheel lock up). I fought long and hard with AllState, to see what data they collected, how it was being used, what sort of considerations for different vehicles were taken into account for assessing the rate (or as they framed it, "discounts"). They assured me that the developers of the program themselves were drivers themselves, and therefore would not do anything unscrupulous with the data, or their algorithms. They also tried to re-frame that I was not getting penalized for working a night shift (making my "safe" driving hours outside of their pre-determined "safe hours" - I'm sorry, less cars on the road = safer driving conditions.) "You are not being penalized, you just get a reduced discount (sounds like a penalty to me) and wont affect my rates as they are already established when I first got the policy - they would not answer the question if it would impact my rates at the next renewal or not. I viewed that non answer as confirmation that it would be used to charge more. Needless to say, I dis-enrolled with their DriveWise program, and ultimately switched insurance carriers. Privacy laws need to be tighten, and sharing of information needs to be stopped. Privacy is about having control of your information, who has access to it, who uses it, who it is sold to, and the ability to withdraw that consent - sadly i fear that is long since past.
I had same experience with American Family. They were rating my home value about 25-30%, too high, causing me to pay that much higher in the annual premium. An attorney suggested I request a copy of their calculation of property value. I did, and they refused!
Yeah they considered that information as proprietary or that it falls in the classified (for lack of a better term). I have my village assessing my house at 1.5 to 2x it's value, and every year we go through the 4 step appeal process before the relinquish and do the market value. It's very sad as they got you kinda over a barrel...all they do is say denied, where you have to provide the evidence and do the research.. essentially, they waste your time, while the reap the profits and all they do is a is just deny 4x.. bloody rigged system.
@@td67gto18 that’s weird. I’m in Florida and part of our deck page has the replacement value. One can accept a lower value (to a point) and they will reduce your premium. Just a little, lol.
I wonder if insurance employees get discounts or do they get rheemed like everyone else. Why be an employee of the insurance company if they get the same treatment as the customers.
that's how insurance works clown. if people who only had insurance they got into accidents the insurer wouldn't be in business. I know it's hard to understand
This is why I have a dash cam that doesn't have internet access, just a micro sd card. Literally saved my husband when he had an accident by showing the reckless driving of the truck he hit.
I was stopped because the officer said “his partner saw me talking on my cell phone,” I said “no he didn’t,” and proceeded to get my phone that was inside my ZIPPED purse on the floor of my passenger seat and showed my call log. No calls since Saturday, no texts since almost an hour earlier. He then proceeded to question an app on my phone, it was a PERIOD DIARY!!! To keep track of my damn ovulation so I could hopefully get pregnant! He didn’t believe I hadn’t spoken on the phone in a few days, and was, in a roundabout way, accusing me of something because the app was labeled as “P.D.” It was also pink and purple with a flower on it. 😂 I WISH I hadn’t showed him shit!!!! I would never do that again. Just take the ticket and show up to court with my records.
Well I don’t have the problem millions of Americans have. I drive an e-bike that can take me just about anywhere. No insurance needed and honestly I don’t have a car. I use Lyft when going shopping or dining.
Whats worse is, these things likely can’t tell if you are on a bus or a Acela train, or a subway, or part of a commuter car pool. So the insurance company is changing your rate on things they don’t know.
It's their rate. They can make it whatever they want to for whatever reason. The insurance company is looking to give the lowest price to the lowest risks. Their method of determining risk will never be perfect, since it's impossible to predict the future. If some of the data is bad and higher rates get assigned, it's just the cost of statistical probability that has to be taken. You're making the assumption that rates should be "fair". That isn't how insurance works.
They know, believe me, mine knows when i travel on a plane, or a subway. However when i rent a car, or use a ride share, it doesn’t, so I have to manually change it to passenger.
I can’t believe that Steve made it all the way through this video and never talked about: What if you’re riding the Bus, or Train.? What if you’re friend or relative is driving? What if the cab driver is driving like a maniac? My rates are based on that? Sounds like a class action suit waiting to happen!
I am a first responder, I have to carry my phone with me at all times because that is how i am notified. Driving an ambulance like a mad man in the city would be sounding all kinds of alarms for the insurance company.
I was a paramedic for 15 years...what ambo company requires you to use your personal phone for job related notifications? Also, most companies have due regard limits ;-)
I'm an emergency medical services supervisor. So for 12 hours per day, I'm driving code-3, while responding to medical emergencies. We don't drive as crazy as they do in the movies... but our policy does allow us to drive 10 to 15 mph over the speed limit, and I sometimes make hard stops and quick corners. On the other hand, when I'm in my own vehicle, I drive extremely slow and carefuly. I don't even like driving on the highway. I think it's pretty crappy if I'm being rated based on how I drive my work-vehicle while responding to cardiac arrests and gunshots.
And imagine state troopers and officers in pursuit or in response to the same events. A car drives faster than something shaped like a brick. Simple physics.
There is something really awesome to this comment , and that is well the fact that you as an EMS provider and Emergency vehicle operator share a very common tale of how you may drive at high speeds and in maybe some questionable way at times to save lives , and then while off duty you tend to drive under the speed limit and a bit over cautious . Yet though it is a common tale it is a true one and a valuable one , you have seen stuff daily that many will (thank god) never see and you know the need for safety , on the job you get some tunnel vision when the call for help comes in that too is natural and every EMS provider wants to be the first one there and fast . I have known a number of cops in my time as a Firefighter / EMT / First responder , most of them tell the same tale about driving .
A friend had one of those devices. He lost his "discount" because he stopped to quickly and swerved to sharply one day. He literally had to emergency stop, swerve into the median to avoid a drunk driver who ran a stop sign, turned in to on coming traffic on a divided highway. The semi behind my friend did not get completely out of the way. It cost my friend an extra $20 a month because he avoided the accident with an uninsured drunk... This tech is a scam to make the insurance more money.
I saw one video where a guy signed up for the voluntary monitoring because he's a safe driver. After a month, he found out insurance considers him a high risk. As he explained it, "I live in the NYC metro area and gosh, I had 8 incidents of hard braking--Yeah, because NYC drivers suck, not because I do!" Which points out this is absolutely NOT a measure of your driving skill. It is simply a measure of how often do you brake too hard for their liking or accelerate too hard or go 15mph over the speed limit because that's what EVERY other car on the highway is doing--try driving the speed limit on the DC beltway and you're far less safe than going with the flow. The analysis software doesn't care about any of that.
Unfortunately, I fell for the same thing when they first began. I lived where there were multiple traffic lights on 55 mph multi-lane roads that had insufficiently timed yellow lights. Basically, you could not slow from the speed limit in the time the light gave you without triggering a "hard braking event" (they were a problem and a contributing factor in a lot of crashes, they've been subsequently eliminated). I think I had over a dozen in the first month of using one of those damn things...
I am that person going 55mph on the Beltway in the far right lane, with people swerving into the exit lane to pass me at 90mph then swerving back in front of me. Who exactly is the unsafe driver in that scenario? Is it really me?
This doesn’t even follow the studies done by DOT’s. Slow drivers (compared to average speed of the highway) are significantly MORE likely to end up in a crash than speeders. The variance per MPH is somewhere in the ballpark of a 2x multiplier. Not twice as likely to be in an accident, but twice as much of a risk change.
I remember some of my high scool class went on field trip to the Soviet Union, and in their hotel rooms were devices hidden in plastic plants that looked like they might be microphones. A decade or two later I heard the word that Soviet citizens were allowed to remove these devices from inside their homes and public places, and that during the removal process many had cracked those things open to see if they had any guts, only to find them empty. The Soviet people had lived whole lifetimes believing the government was spying on them and able to hear everything they ever said. It turns out it wasn't technically and financially possible to bug everyone everywhere. You would need one person monitoring every few mikes. That's at least as many citizens as there were being spied on! Now here we are. We have miked ourselves. We bought the bugging devices, voluntarily carry them on our persons and even subscribe and pay for the muliple services that spy on us. The fear of living in hell is just gone.
And we have computers to analyze the conversations of everyone everywhere. We no longer require the level of human monitoring. Only the conversations the computer analysis deem to require human scrutiny are passed on for this.
I know a few people who have fallen for that safe driving device. None of them got the discount because of 'poor driving practices'. No crashes, no tickets.
Місяць тому+58
I'm a victim; State Farm to be exact. And that rubbish thing penalizes you if you have a 'braking event'. Phoned them up asking about it and the gist of the explanation was 'if I have to brake hard like that then I may be following too close' My (passive aggressive) response? 'Understood, I'll just slam into the back of someone who cut me off at a moment's notice then. Or run over the deer that leapt out from the bushes 😊' The guy went silent on me. Not sure if he was dumbfounded in the moment and/or aggrivated with me. 🤣
My mom was about install an analog tracker from her auto insurance company for $50 off a year. I warned her right away that it is possible they will track her speed and other driving habits and make her pay a bigger premium next time she renew. She threw that thing away right away.
Insurance companies are also monitoring Carfax from your service records you recieve from the dealership. They are monitoring the mileage and raising rates for miles you drive.
so true! I had my policy based on 7000 miles a year when I bought my car in Sep 2023. In Feb 2024 I went to dealership to get my free oil change, I didn't have any other service with the vehicle and when it was time to renew my policy in May 2024 I have received updated premium and it was saying in disclosure that my updated rate is based on estimated yearly mileage of 10126 miles (exactly this number) and now I pay $20 more every month.
@@SolaKnitez-bt8wy Yes, the statement "my weather app is tracking my driving" is completely misleading and trying to push a narrative. The weather app has access to your GPS in the device so you can find weather related to your location. You often don't even need to give the app this permission. It's just annoying because you'll then have to zoom in wherever you happen to be on the map to see local weather. Or search the zip or something similar. It has nothing to do with driving. However, the data may be valuable to certain analytics companies and if the app developers can sell that information, they would have more money to improve the app and continue offering the service (possible for free in a lot of cases). This would be the only link to driving, but it's not direct.
I've had my driving monitored by those apps at my job. I actually get to see the driving reports for transparency and they are laughably bad. It penalizes you every time you stop at a stop sign. Calls it a "speed deviation". Every time it switches service towers, it locks your gps speed until connection is restored. It dings me for driving 65 through a small town because there's no cell service there. I've also had it say I was driving 999mph too lol. It also penalizes you for avoiding crashes
Sounds far fetched. Insurance companies do this to determine rates. Not to give everyone bad rates. If they wanted to do that, they don't need an app as an excuse. Also, they don't want to get rid of their safest driving customers due to bad readings. That isn't good for business, and that's all they really care about.
I had Hartford and downloaded the app. I was pretty darn proud of my consistently high scores (an occasional 92-93; mostly 96% or higher) I've been driving for 54 years, I'm accident-free, no tickets or violations in the past 15 years plus, and I drive about 3000 miles a year. When my six-month renewal came along...my premium went up over $400 a year! Dropped them -- and their app -- like a hot potato.
One of the best ways to fix this is to register with information about someone you know but don't like as much. For example Gas Buddy thinks I'm my friend who votes for this kind of control. Always think about corrupting the data instead of just avoiding it. Anytime an application asks for your race or gender, choose something different every time.
I drive a lot for work, use my own car & get paid for mileage. Employer changed from manual entry for mileage to a phone app. I used it once, and realized it was tracking my speed, braking, time at stoplights, did I drive outside of my lane, how many stops I made & how long I was at each stop. In addition, the default of the app was to track everything. If I turned off a feature the app would turn it back on automatically. So I told employer, it’s my personal car, I don’t want to use the app & now I’m back to entering mileage manually.
I’m a truck driver. I guess I’ll just keep it a couple mph under the limit for 400 miles every day and anyone watching will think I’m the most responsible driver ever! I get paid hourly so this could actually increase my paycheck 😂😂
one of the nice things, is that it has to be just as easy to remove consent as it was to give consent in the first place. So none of the yes thank by clicking a button in the app and a damn snailmail letter to withdraw consent
Yup. I have Farmer's discount driving app, and I took a ride on my MC and oops! I was " driving distracted" and "Driving making hard stops" etc. Forgot to go to Airplane mode....never again.
I warned of this when State Farm first came out with their little device. Look folks is simple. Never ever ever never trust an insurance company. EVER!
The idea that insurance tracking your driving habits is good for the consumer is devoid of reality. The tracking is used by insurance companies to protect the company from having to pay out claims or to increase your rates on any random garbage they can point to, including 'unsafe driving' according to the tracking. Edit: Also I'm getting sick of hearing companies try to defend themselves saying crap like 'we don't sell identifiable information'. The entire point of selling the data to the insurance companies IS to link it to a potential customer of theirs and they are doing it somehow.
Insurance agent here the data is quite likely anonymized the reason they would buy it would be to refine their proprietary telematics progams to try and make sure they are more accurate/competitive then the competition. also i do say this with me saying 100% that i will not sign up for a telematics program with an insurance company, i like to have fun when i drive and there are times and places that it can be done safely but those apps are only gonna see wow your drifting around this corner or wow you really slammed on the gas there and accelerated faster then we like. f that noise.
Sorry, this is going to be a little wordy. When I moved states I had to find a different insurance company. Found one with the option to save money by installing one of those driving monitor devices; I had refused to install an app on the phone. I consider myself a safe and passive driver but I got dinged a few times for what the device recorded as a hard break. I caught on quickly and would much slower then usual or necessary approach a stop sign, intersection, turn etc. I gave up pulling over to let faster cars pass because the turnout lane was not long enough to accommodate the long and slow process to come to a full stop that the device required. Thankfully I live in the country so there are not too many traffic lights. In a big city you would get dinged for a hard break several times before work and then again after. The thing in the country though is that we have lots of deer. I may have to reduce speed or even swerve a little to avoid hitting the deer. And don't get me started on the pothole swerving necessity. Driving after a certain time on the weekend would also automatically get you dinged. So if you are living way east and decide to go on a road trip west bound, either stop driving quite early in the evening or get dinged. When my insurance came up for renewal I send the device back and was prepared to have to pay more for insurance. The peace of mind right after was amazing, I drive normally again and not totally paranoid what could get me dinged this drive around.
Greetings: This reenforces my statements about the Real ID Act and the new generation of "smart devices". Such devices R the favourites of the NSA. Thx 4 the share. Repeal the Real ID Act!
There should be legislation stating that if your information is sold you get 100% of the proceeds of the information, as well as can choose who it can be sold to.
No one would sell data if if they get 0%. At the least, you should be informed of who its been sold to and for what amount. That seems like the minimum for what would be fair.
@@Moosetick2002 that's the point I am making. They can collect for their own purposes, but if they sell it you are entitled to 100% of the profits. Or something equivalent to 100% of the profits. Or some mix of the 2.
There actually is a bill waiting to be voted on for data privacy. We gotta pressure our reps to take that up. We should have FULL control over our data & decide if we want it sold at all.
Why are people so concerned about the money? Is it just some kind of fear of missing out? Or some kind of entitlement like they are owed something in life?
Ever got a cab ride in Philadelphia? If the insurance companies had their way, that would be grounds for immediately doubling your rates. If you ever work with large mega companies, you quickly learn most are a facade of caring about customers, but are actually vices to squeeze every penny out of the customer (especially is customer is another company).
Here is some food for thought I was told by an insurance agent that say for instance you live in an area and your State Farm and you have over 2000 State Farm members in your ZIP Code for each time anyone of those members have an accident everybody else pays for it. That’s why the rates increase and change all the time. So you’re paying not just for you but what other insured members in your zip code have accidents. That completely pisses me off.
Insurance companies went woke many years ago. They don't use actuarial tables. Why? because certain people who live in certain areas and are on welfare and have criminal records commit almost all the crimes, DUI, crashes etc. And the rest of us have to pay for them. It's "Welfare Insurance" paid for by good people.
@@FP65 Yah, but since the average IQ has fallen quite a bit, and the teacher's union has destroyed education, the average person loves woky stuff and black washing with imbedded cigarette and beer commercials like Netflix does.
That's the excuse Progressive gave for the huge increase in my premium. I argued that I have not had a claim ever since I signed with them. But it's what other drivers have done that's increasing my rate. Smh. When the government made insurance mandatory they made us sitting ducks for disadvantage. Sounds like allowed robbery to me!
After a search that rivalled the one for Amelia Earhart I found a plain vanilla full size pickup year 1999. Needed some work but way cheaper than the overbuilt, overcomplicated, overprices they want you to buy now. And it won't spy on me.
Yup, me too. A phone is for talking so I got a flip phone that only does that. And for directions, I have an old Hagstrom paper map to look at. No charging necessary! LOL
Thx for informing me of that! I need to sue my cellular phone company & my insurance company for conspiring to invade my privacy, preforming an unlawful surveillance of me without a warrant.
My insurance tried to get me to install an app for a lower rate. I told them I have a 40 year driving record with ZERO moving violations. You don’t need any data except my track record.
The biggest problem with these apps is that they can't tell if the person is actually DRIVING. A person can be getting a ride from a family member or a friend or even taking transit.
@@wesleyhoward5599 That is no longer true. Adobe, Microsoft, Samsung, Apple, many car makers, and many other corporations have odeous EULAS on their paid and often very expensive products. Not only do you have to pay a lot for their products but they claim ownership of your data too.
Plus phones come with built in accelerometers for reasons not necessarily tied to this. But it measures how hard you accelerate in any direction, laterally, etc
There is an option in Android that can be enabled to turn off sensors. It's under the developer options. It makes all of the acceleration and direction sensors turn off to disable this kind of tracking.
The other scam by insurance companies is to offer you roadside assistance as part of your policy. After 34 years with AAA- I went with State Farm ; bundled our homeowners insurance and 5 vehicles. At the end of the year, our rates were 3 times our original rate. We hadn't had an accident or. claim. Their explanation was that since my husband had a car issue that had him towed twice in a month- those were considered claims - so that affected our homeowners insurance ?!? WTH?! NOW, back with AAA and separate auto and homeowners insurance.
You're 100% correct. NEVER have roadside assistance with your auto insurance. The tow claim (or any roadside assistance service) will show as a claim in ISO,(nationwide insurance database) which every insurance company in the United States uses, and the roadside claim will remain on your record for as long as you're alive. I'm a long time recent Geico claims investigator fyi
Born in '84, so I grew up with the internet and all the related crap around it. I watched as my friends always jumped on every new bandwagon of social media and various "assistance" features of phones and computers. From day 1, I realized this is a bad idea, because this is digital information that almost never gets erased, and exists for the world to see. Basically eliminating almost any privacy that you have. I never participated in any of it. I don't think there is even a picture of me that exists online. I tell my close friends to make sure to not post any pics of me, or at least never tag me in any of them. I don't ever use the AI or assitant features on my phone, stay away from most apps (especially "free" ones), and block every piece of data reporting that I can. Same for my cars...I turn off any data collecting, reporting, logging, or emergency services.
@@mutteringmaleThe main problem I have is that a lot of the people willing to trade their privacy for a free feature, are the same people that are always too eager to trade their freedom for the feeling of "safety". Not real safety, mind you, but just an illusion.
@@BigBear-- That why we have teachers, grave diggers, ditch diggers, clerks and janitors, these are the masses of mooing maroons that need to be comforted....they should thus not be allowed to vote. We need to go back to being a real republic, not this insane democracy.
My main issue is what if you’re riding with someone, but furthermore, my job requires me to test drive vehicles and it’s my job to test hard up shifts, down shifts and breaking. Im not in my personal vehicle. But im sure others have jobs like this also.
Eventually they will just charge everyone more unless they install these devices. It's similar to how UA-cam is relentless about spamming the dumbest most annoying ads ever in an effort to strong-arm us into buying UA-cam premium.
Insurance companies are the WORST corporate entities ever formed. Their actuary tables they use are BS, and they just steal our money. I am 61, I have had one ticket and one $800 claim in 30 years, and my insurance rates have risen drastically.
Because statistically, as you age you are more likely to be in an accident. Just like risk is greatly increased when you are a young driver & pay for higher rates. Men pay higher rates than women.
It's embedded in the core AI programs and isn't going anywhere. It's too profitable. We are here. This is dystopia. What you can change is how you use the apps, or not. I choose not to use the android apps. I do like YT though.
Nothing is going to change, your only option is to become technologically literate and fight it in ways that will work. Step one is moving away from smartphones registered in your name through your cell company. Step two is getting away from Google/Alphabet, Microsoft, etc. Wait till you find out what Copilot is doing. "In FOSS we trust."
Im a software engineer, I run a de-googled phone that only allows certain special apps I've vouched to even run in the background. I drive a 20yr old vehicle for this reason too. I've been called paranoid by friends, despite knowing far more than them about anything technical. I love being right, might as well sit back with a bag of popcorn and enjoy the show. People really need to understand that all the data being collected on them lasts forever, and can be used against them at anytime, and eventually by anyone.
You “love being right” about people being tracked? Aside from that REALLY weird statement, I wish somebody cared about me enough to track me as much as you think they want to 😂
I have an app from my insurance company that I voluntarily enrolled. I receive a 15-20% discount as long I have a good score. It tracks phone handling, calls, and hard breaking. I score well, so I appreciate the discount.
I actually avoided an accident, that evasive maneuver resulted in an increased premium. I ACTUALLY AVOIDED MAKING A CLAIM - BUT THEY INCREASED MY RATES.
I got a rate hike for 'multiple hard stopping' to avoid large animals! in a 60day period I missed 5 deer and a loose cow from the pasture on one road. :( country roads are dangerous even w/o another driver for miles!
I plugged one of those things in my car because I drive less than 100 miles per month and kept my 100% discount (zero hard braking, zero jackrabbit starts) each of the three 90 day periods up until the final 10 days when suddenly the plug-in from the insurance company stop responding and I had to get a new one. After the 3rd one failed in the final week, I told them to forget it.
I have for a long time thought there should be a federal law requiring all companies that keep a data file on you to provide you with a yearly notice that they have the file, access to a complete and full copy of that file in plain English and a complete list of everyone who has had access to that file. I know it will never happen because our corrupt politicians are in the pockets of the corporations, making money off our personal data.
California has laws forcing companies to delete your data if you request it and they do not allow auto insurance companies to charge you more based on any data collection.
people act like politicians solve the worlds problems when they all cause them. tyrannical leaders have not once been good in the entirety of human history
@@nomercyinc6783 yeah but most local leaders in the US (except some of these red states w/ draconian abortion laws past two yrs!) are not tyrannical. So use your terms carefully.
I pay way less for insurance because I enrolled in a program that proved I drive less than 50 miles per week. My insurance went down, so I can't complain. Since I don't use social media anymore, I don't see any more ads than before. Your mileage may vary. 😊 Also a weather app may keep you out of the rain, Sir. Mine does.
Ironically, the only reason I was suggested this video was because I was discussing an idea for a platform which monitors your driving with your knowledge.
Software engineer here, worked for many insurance company's though out my 35+ career. I have never seen any reductions in actual cost of insurance. Most of the time, if you have tickets that puts points on your license, you will have to actually switch insurers to reduce your cost, but only after you points come off.
I just had a very similar conversation with my daughter who started getting cold calls after downloading an app. The way I explained it was - unless you read the disclaimer from top to bottom AND understand every word you must assume you are giving full access of your phone to that app. History, photos, location, microphone...everything. Her response was why would they want access to that stuff, it;s a shopping app? My response was so they can sell it. That really is what it comes down too.
Even if you read it top to bottom the language is so deliberately broad that you still have no idea what they are collecting or sharing. It is astonishing to me that courts have decided that these terms are enforceable.
One aspect you might have missed is that they don’t need to track your “driving data” but simply location is a lot. A weather app that tracks your location alone can use your location data to know when you were driving/speeding/stopping for gas, etc. With AI and other tools it’s very easy to do a lot just from location data.
I got one of those plug-in deals from Progressive and put it in my son's car to try to save a little bit of money. He told me it would beep even when he did a normal stop so I took a ride with him and sure enough a below average stop would set it off. I think the savings I got was about $70 or $80 and when I took it off my bill went up over $200. I dropped Progressive and went to another company and saved almost 100% on my bill.
YES!! Phone listens. My neighbor came over to take photos of a bat on my house. His wife and I talked for a minute. THE NEXT day there were 3 articles on the news feed of my phone about bats. !!!!!!!!!!!!
I was looking to get my brother who lives in Florida and didn't send a Christmas list a gift card to a local seafood restaurant. I decided to buy him a box from omaha steaks. I kept getting ads from both places for awhile until I went to another site for something unrelated. I started getting ads for that place.
Once I dropped my phone in my basket of wet laundry and accidentally put on tumble dry for half an hour. My insurance skyrocketed for being involved in the world's longest vehicle roll-over.
Your rates will NEVER go down from being monitored. They will ALWAYS find a reason to flag your driving but regardless, what they consider safe is an algorithm that doesn’t involve real life. Driving the way they say is safe will be dangerous which will get you into bad situations which will cause you to react to avoid an accident and that will be seen as erratic and unsafe. Lose/lose.
indeed... hard breaking and hard acceleration is bs metric... what if i accelerate to get away from a potential accident, or brake hard in a side street doing 5 miles bellow and johnny jumps out from between cars... this is stupid but is designed to have excuses to raise your prices... In trucking they have a word called preventable, like you can sure prevent being rear ended, lol
I am sick of companies and the Government snooping on us ! Americans are supposed to have privacy and they know it ! We need to have one big lawsuit against our Government and these corporations !
@@lovly2cu725Do you have a cell phone? Does your car have Internet connection. Like Steve said and every other professional privacy advocate says, if you're connected to the Internet and/or have a cell phone (handheld computer) with you ,even if it is off (look it up) you're being tracked. And because your personal info is linked to a device, your personal info is there. And for sale.
Every modern communications, your electric meter, your WiFi, your phone, your computer, the scanner at the stores, your medical data, and of course your banking activity. It all goes in government and private finance “brokers” computers. If Nvidia is up in the stock market, 📈 then the “surveillance” chips are increasing. The whole capitalist system is now focused on using every individuals data, every man, woman and CHILD. No privacy, nothing sacred, no constitutional rights, and our Supreme Court backs these violations of our homes and our persons, as do our political operatives bending over to lick the boots of finance’s conglomerates. Congress’s dedication to money as their sacred touchstone of immoral character in modern civilization.
The thing is, virtually ALL phone apps use the same, basic template. This template can access location, acceleration, ambient temperature, phone logs, messages, contact lists, app list, calendar, and even the camera and microphone. App developers merely tell the template which data to collect, and how to use it. It's all laid-out in that "I Agree" BS. This is true, even for apps that you would never suspect, like "Horoscope" or "Flashlight". I have been warning folks of this for 10 years or more. They have flatly refused to listen, and even call me "a conspiracy theorist". I'm glad to see that someone is finally bringing this to light. Ditch the "smart" phone!
@@robertcambareri1028 Dosnt have to be. The address where the card is used is bundled with the transaction. If you use your card online, they can also bundle user agent data and your IP address. Personally, I'm not all that worried about certain types of tracking but some out there are super paranoid about any form of tracking.
@@robertcambareri1028 no, but if you pay for gas in minnesota, anyone with access to the data will know you were at a specific place in minnesota at a specific time.
A missionary amongst cannibals and head hunters in New Guinea, Otto Koning, once went to get life insurance from a local place with a sign that says "we insure everyone". After he told them what he does they kicked him out. He told them to take the sign down.
No speeding tickets ever. No DUIs, no tickets of any kind--not even a parking ticket in over 45 years! I am no longer driving because the stupid insurance company just raised my rates YET AGAIN! Cheaper to have someone else drive me around now, much cheaper!
Tim Hortons got in shit up here in Canada for tracking people down to the level of when they entered and exited a competitor's store, and all we got as compensation was a free coffee and a sandwich. That's what the Canadian courts have decided that our privacy is worth up here.
if you have tire pressure sensors or if you have an infotainment console in your car with a build in wifi/modem, these devices constantly transmit a blutooth/wifi signal. The app you are using "may" be scanning ip addresses through your phones wifi/bluetooth at which point it would know by proximity (signal strength) that you are driving different vehicles and it may build a different driving pattern based on that.
I changed insurance companies a few years ago and was tricked by being offered a low rate. Once I agreed I found out that they would be tracking my driving habits and was required to download their app. I was pissed that they didn't tell me this prior to me signing up but I went ahead and took the bait. A few weeks later I flew from Colorado to Boston for a week. While in Boston I took a hop on hop off tour of the city later to find out the app tracked all activity from the tour. I did end up going with another insurance company but now I make it clear that I will not participate in using their apps. This is a total invasion of my privacy. I've kept a clean driving record for the last 35 years along with a 800 plus credit score. This is all they need.
Some insurance companies have drones and spy on the homeowners . They ook into people's yards to see what is in them and how the homeowner maintains his/hers properties.
When I was done with a call and went to my calendar to put in a schedule for my dog, the phone suggested “dog appointment for Thursday 13th at 3pm!” The people on the phone didn’t have my email, I guess my phone was listening to my conversation!
@stevelehto They can track if you’re in different cars if your phone connects to different Bluetooths for different cars. The Bluetooth connections are often helpfully labeled with the cars names 😅
2014 I used Progressive-Auto. They gave me this device that I plug into my OBDII connector. It was supposed to reduce my insurance. But my insurance stayed the same. And it beeped every single time I braked. The beeping was supposed to notify me I was braking wrong. But it beeped whether I quickly but evenly/smoothly came to a stop, or I took my sweet time and started braking 200ft in advance. Eventually *_THEY_* cancelled my insurance cause I guess they didn't like the data it gave them. I was 19. Been driving 3 years. But the device in hindsight was more of a black-box. To record the final moments before a wreck so they can deny any and all claims and not do the job you pay them to do. Never again.
And I noticed my insurance premium doubled one year but the agent said they can knock almost 50% off. If I use a tattletail device or app on my phone I have to turn on before driving. I switched carriers and got my rate back to what it was but they are pushing a tattletail app on me now that it's available in my area. So I am almost certain my premiums are going way up because I said no again.
I've had this conversation with friends and family and I am amazed at how nobody seems to care. The typical response is "who cares, I'm not doing anything illegal" or "I'm too boring for anyone to keep track of me." When I ask do you really want some corporation to know your every move they don't care. What is wrong with people? Get rid of apps and leave your phones at home more. Also, how don't they know I'm driving as opposed to riding in someone else's car?
That’s the same argument people were making with the traffic cameras. “Well if you’re not doing anything wrong, you have nothing to worry about!” 🙄🤦🏻♀️ They really just don’t get it!
Thank you…I just deleted My Radar off all my tech. This is way too much. I truly do not understand why we as a society let this go on. I don’t think I’ll live to see it but maybe one day it will go back to “We The People” instead of “We the politrickians and rich”
@@petervanderveen2340 I’d like to think we r more educated and maybe just tired of living under others thumbs. I do c another civil war happening and not due to race problems but because of the living conditions and social conditions.
@@dand2334 Thank u for this info. Not that I drive crazy or do anything wrong I don’t trust apps that sell ur information and have gotten rid of most that I truly don’t need. If they sell it to insurance companies they’ll give it to the government. As a Soldier for 28 plus years, I don’t trust our politrickians or government organizations. I served for my fellow countrymen. I’ve been a part of and witnessed the lies and corruption they spew. There are far too many Americans who put their trust and faith in the leader💩 of theses POGS but are either ignorant (not knowing) or just flat out ignore what’s going on around them thinking it will get better. I guarantee u that insurance companies aren’t the only ones getting this information. Knowing some of the things I know if I could go off grid I would. And yes, this old Soldier is looking for about 5-10 acres of land to do so. The selling of personal information should be one of the first things u read in normal bold print instead of the last thing u read in minute print. Just an old Veteran’s thoughts.
100% true - we need consumer protection laws around data collection ASAP All the grocery stores are collecting your data via a code that you voluntarily input at the register so that they give you the regular price on your groceries…
@@patriciaraymond7839 California is one of the few states that got in front of this whole mess with the rights they gave individuals to have their data deleted upon request. It’s not nearly enough, but it’s at least SOMETHING. As it stands, companies will literally refuse to delete your data unless you are a resident of California (or one of the other few states that are slowly adopting policies around data retention) How do I know? I asked a company (that I worked for) to delete my data, via the request option that was listed on their web portal. They rejected the request stating that I did not reside in California so the policy did not apply to me.
@@patriciaraymond7839 not at all! Biden admin has been discussing this, unlike ANY single GOPer in congress or anywhere at all. As usual, GOP/repub's are the hotbed of corporate america! Same as it ever was!
8:07 If you’re connecting your phone to your car via USB or Bluetooth, then the app could plausibly do MAC address or other checks on your phone’s connected devices, then later they’d do a reverse lookup on manufacturer published lookup tables to make determinations on what type of device those are, all to potentially end up making a determination whether your phone’s connected device is “the head unit which comes standard with new cobras matching your insured vehicle’s model year”, for example. This is all in theory, but seems extremely plausible if you’re running the app while identifiers from your car are connected to your phone, wired or wirelessly.
Oh, the app magically knows if your brakes were 'slammed' due to being cut off in traffic by another driver, an animal darted in the road, avoiding debris in the road, or evasive measures to avoid an accident
actually it does, because it uses sensors and radar. It can also hook up to your car's computer. Google maps knows exactly what you're doing behind the wheel.
For stuff like weather apps, where you only occasionally want to actively check their data, disable Background App Refresh, and change location use to only "while using". It's not perfect (the app can't preload the current weather and give weather alerts), but it helps.
What in the hell!> no wonder why the latest insurance company wanted me to put a device in my car.... No thanks that was last month... went w a different car insurance. Probably cause my car is from 2012.... Well Thanks Mr. Lehto, I appreciate your video and content. 1st video=like and=sub. Thanks sir, much obliged for the information.
Allstate, progressive, and Hartford all have data collection devices. Allstate, progressive have plugs that go into OBS port. Hartford has a app. My app comes up when I'm trolling in my boat at 1 mile an hour 🤣
You realize that port is only supposed to be used for scanning purposes and isn't meant to be used when the car is in motion. I absolutely turned the discount offer from my insurance company.
What people don't seem to know is that you don't have to be at fault in an accident for it to increase your insurance score. In my case, my vehicle was totaled due to the combined damage done in two separate accidents, neither my fault. The insurance company paid me what they said it was worth before the accidents. The insurance company then raised my rates by a factor of 4. $400 to $!,600 for 6 months. Their reason was I had a high insurance score! Another reason why Michigan's no fault insurance scam is no fault in name only and is just the opposite of in application!
I downloaded Life360 knowing all this. I use it to track my mom in case I can’t get ahold of her. She’s older and refuses to stop driving. So I like the peace of mind at least seeing she has made it to point a to b
Typically, insurance companies will INCREASE your rates for "risky" behaviors, but not DECREASE your rates for "safe" behaviors.
You are also tracked though your credit card. Always pay with cash.
If the results are good, they will lie about the results.
It's one-way traffic.
My premiums are much less now than when I was getting tickets in the 90s/00s. Haven’t had a ticket in 9 years now, and the one before that was 7 years prior.
Well stated, thank you!
A federal law needs to be passed banning companies from selling personal data
Been saying this for a decade. As long as boomers are in power who don't understand technology, things will never change
The DMV is selling your data too.
💯👍
Good luck with that.
Theyre one of the buyers
People need to be made aware of this. The invasion of privacy has to end.
Most people don't care.
Just like smart metes it’s just another step to smash our rights and try to roll out the digital id. Turn off location services.
@@JoeyMcSmokey your exact location can be tracked with no gps help with your phone off or in airplane mode. Just fyi. Not a conspiracy theory.
@@trentvlak Indeed but I don't take my phone everywhere and it goes into a faradaybag every night at bedtime. I'm not saying turning off your location is the fix but it's start for sure for he average Joe.
Just stop using the apps that're selling your data. WTF. It's that simple.
I am so happy that someone else is having this concern. I fought with Allstate, when they first had their DriveWise program back in 2013. I was called paranoid, conspiratory, and every other name in the book (the same way I had concerns about identify theft in the early 90s). I tried their program for a month, and I looked at the data that they would share with me (which was extremely limited), but there were "assumptions" made. I had a small light vehicle, that had a manual transmission, so every time I decelerated and down shifted, it was considered a "Hard Braking event" and therefore was counted against me. The rate of deceleration was a static value, but had ZERO type of consideration for the vehicle being driven (my Altima would decelerate/accelerate quicker than what my Ford Expedition would, just by the inherent nature of the vehicle [read: weight, size, etc. - ie my Expedition could not decelerated at the same rate that my Altima could, even with a 4-wheel lock up). I fought long and hard with AllState, to see what data they collected, how it was being used, what sort of considerations for different vehicles were taken into account for assessing the rate (or as they framed it, "discounts"). They assured me that the developers of the program themselves were drivers themselves, and therefore would not do anything unscrupulous with the data, or their algorithms. They also tried to re-frame that I was not getting penalized for working a night shift (making my "safe" driving hours outside of their pre-determined "safe hours" - I'm sorry, less cars on the road = safer driving conditions.) "You are not being penalized, you just get a reduced discount (sounds like a penalty to me) and wont affect my rates as they are already established when I first got the policy - they would not answer the question if it would impact my rates at the next renewal or not. I viewed that non answer as confirmation that it would be used to charge more. Needless to say, I dis-enrolled with their DriveWise program, and ultimately switched insurance carriers. Privacy laws need to be tighten, and sharing of information needs to be stopped. Privacy is about having control of your information, who has access to it, who uses it, who it is sold to, and the ability to withdraw that consent - sadly i fear that is long since past.
I had same experience with American Family. They were rating my home value about 25-30%, too high, causing me to pay that much higher in the annual premium. An attorney suggested I request a copy of their calculation of property value. I did, and they refused!
Yeah they considered that information as proprietary or that it falls in the classified (for lack of a better term). I have my village assessing my house at 1.5 to 2x it's value, and every year we go through the 4 step appeal process before the relinquish and do the market value. It's very sad as they got you kinda over a barrel...all they do is say denied, where you have to provide the evidence and do the research.. essentially, they waste your time, while the reap the profits and all they do is a is just deny 4x.. bloody rigged system.
@@td67gto18 that’s weird. I’m in Florida and part of our deck page has the replacement value. One can accept a lower value (to a point) and they will reduce your premium. Just a little, lol.
I wonder if insurance employees get discounts or do they get rheemed like everyone else. Why be an employee of the insurance company if they get the same treatment as the customers.
Remember the "I want to spy on you" Starlink in GM cars? That's why I'll never buy a GM car, and, because they make feces-like cars.
Always remember...if the service is free...YOU ARE THE PRODUCT!
Even if you pay for the service, you are the product.
@@Unsensitive That's the worst part.
Love having a burner phone. Combination of my two best friends first and last names. ,🤣
I keep my privacy no one's invading my privacy
Wikipedia has entered the chat...
@@michaelspencer0707 Wikipedia begs you for money anytime you go to the site lol
Apparently the insurance companies favorite customer is someone that buys auto insurance but doesn't actually drive.
they would really like that
That's me....
You don't drive, you don't get in accidents. They don't have to pay out.
That person would be flagged for rate increase since they drive slowly around fenced yards
that's how insurance works clown. if people who only had insurance they got into accidents the insurer wouldn't be in business. I know it's hard to understand
This is why I have a dash cam that doesn't have internet access, just a micro sd card. Literally saved my husband when he had an accident by showing the reckless driving of the truck he hit.
This doesn’t change the fact that your day to day driving could be monitored and tracked.
Saw a video where a guy was pulled over for not wearing a seatbelt that he was wearing. He stopped the officer quickly when he showed the camera
I was stopped because the officer said “his partner saw me talking on my cell phone,” I said “no he didn’t,” and proceeded to get my phone that was inside my ZIPPED purse on the floor of my passenger seat and showed my call log.
No calls since Saturday, no texts since almost an hour earlier.
He then proceeded to question an app on my phone, it was a PERIOD DIARY!!! To keep track of my damn ovulation so I could hopefully get pregnant!
He didn’t believe I hadn’t spoken on the phone in a few days, and was, in a roundabout way, accusing me of something because the app was labeled as “P.D.” It was also pink and purple with a flower on it. 😂
I WISH I hadn’t showed him shit!!!! I would never do that again. Just take the ticket and show up to court with my records.
Me too, front and rear cam for insurance purposes and lying cops
Well I don’t have the problem millions of Americans have. I drive an e-bike that can take me just about anywhere. No insurance needed and honestly I don’t have a car. I use Lyft when going shopping or dining.
Whats worse is, these things likely can’t tell if you are on a bus or a Acela train, or a subway, or part of a commuter car pool. So the insurance company is changing your rate on things they don’t know.
Very logical conclusion 🙂👍 and great comment.
It's their rate. They can make it whatever they want to for whatever reason. The insurance company is looking to give the lowest price to the lowest risks. Their method of determining risk will never be perfect, since it's impossible to predict the future. If some of the data is bad and higher rates get assigned, it's just the cost of statistical probability that has to be taken.
You're making the assumption that rates should be "fair". That isn't how insurance works.
@@xocomaox What? I dont know what you are going on about. Its like I'm talking about the ocean and your talking about the moon.
They know, believe me, mine knows when i travel on a plane, or a subway. However when i rent a car, or use a ride share, it doesn’t, so I have to manually change it to passenger.
I can’t believe that Steve made it all the way through this video and never talked about: What if you’re riding the Bus, or Train.? What if you’re friend or relative is driving? What if the cab driver is driving like a maniac? My rates are based on that? Sounds like a class action suit waiting to happen!
Try & prove how or why your rates have risen. Good luck.
Faraday bag
for sure
@@MacGyver2154 Wrap it in tinfoil. Has the same effect as a Faraday Cage.
In my case I have a flip phone. It still pings towers but no GPS.
@@poughquagpops3379that would be easy in discovery
I am a first responder, I have to carry my phone with me at all times because that is how i am notified. Driving an ambulance like a mad man in the city would be sounding all kinds of alarms for the insurance company.
Ambulance driver.
I think I have an opposite problem. I drive a semi truck and am super safe at work. In my personal vehicle I drive like a mad man 🤣
I was a paramedic for 15 years...what ambo company requires you to use your personal phone for job related notifications? Also, most companies have due regard limits ;-)
Put your phone in a faraday bag. End of story .
Just an ordinary driver is not always safe. I drive 55 in a 55mph zone? Inspire a lot of road rage being a safe driver.
You are a true patriot for America. Thank you for informing us on critical issues.
I'm an emergency medical services supervisor. So for 12 hours per day, I'm driving code-3, while responding to medical emergencies.
We don't drive as crazy as they do in the movies... but our policy does allow us to drive 10 to 15 mph over the speed limit, and I sometimes make hard stops and quick corners. On the other hand, when I'm in my own vehicle, I drive extremely slow and carefuly. I don't even like driving on the highway.
I think it's pretty crappy if I'm being rated based on how I drive my work-vehicle while responding to cardiac arrests and gunshots.
And imagine state troopers and officers in pursuit or in response to the same events. A car drives faster than something shaped like a brick. Simple physics.
There is something really awesome to this comment , and that is well the fact that you as an EMS provider and Emergency vehicle operator share a very common tale of how you may drive at high speeds and in maybe some questionable way at times to save lives , and then while off duty you tend to drive under the speed limit and a bit over cautious . Yet though it is a common tale it is a true one and a valuable one , you have seen stuff daily that many will (thank god) never see and you know the need for safety , on the job you get some tunnel vision when the call for help comes in that too is natural and every EMS provider wants to be the first one there and fast . I have known a number of cops in my time as a Firefighter / EMT / First responder , most of them tell the same tale about driving .
They don't care because more profit is the motive.
A friend had one of those devices. He lost his "discount" because he stopped to quickly and swerved to sharply one day. He literally had to emergency stop, swerve into the median to avoid a drunk driver who ran a stop sign, turned in to on coming traffic on a divided highway.
The semi behind my friend did not get completely out of the way.
It cost my friend an extra $20 a month because he avoided the accident with an uninsured drunk...
This tech is a scam to make the insurance more money.
how did he know the guy was drunk ?
You are also tracked though your credit card. Always pay with cash.
That’s true told me how many times I stopped quick once when my sister was driving the car
but the police report should prove why he had to take such extreme action???
@@cookiecookie9040 But where would you stick that police report ?
I saw one video where a guy signed up for the voluntary monitoring because he's a safe driver. After a month, he found out insurance considers him a high risk. As he explained it, "I live in the NYC metro area and gosh, I had 8 incidents of hard braking--Yeah, because NYC drivers suck, not because I do!" Which points out this is absolutely NOT a measure of your driving skill. It is simply a measure of how often do you brake too hard for their liking or accelerate too hard or go 15mph over the speed limit because that's what EVERY other car on the highway is doing--try driving the speed limit on the DC beltway and you're far less safe than going with the flow. The analysis software doesn't care about any of that.
Unfortunately, I fell for the same thing when they first began. I lived where there were multiple traffic lights on 55 mph multi-lane roads that had insufficiently timed yellow lights. Basically, you could not slow from the speed limit in the time the light gave you without triggering a "hard braking event" (they were a problem and a contributing factor in a lot of crashes, they've been subsequently eliminated). I think I had over a dozen in the first month of using one of those damn things...
I knew this was a stupid system because it doesn't account for DEER in the road.
I am that person going 55mph on the Beltway in the far right lane, with people swerving into the exit lane to pass me at 90mph then swerving back in front of me. Who exactly is the unsafe driver in that scenario? Is it really me?
This doesn’t even follow the studies done by DOT’s. Slow drivers (compared to average speed of the highway) are significantly MORE likely to end up in a crash than speeders. The variance per MPH is somewhere in the ballpark of a 2x multiplier. Not twice as likely to be in an accident, but twice as much of a risk change.
@@affsteak3530if a stupid app has you thinking “I better not break hard” you are actually more likely to have an accident.
I remember some of my high scool class went on field trip to the Soviet Union, and in their hotel rooms were devices hidden in plastic plants that looked like they might be microphones. A decade or two later I heard the word that Soviet citizens were allowed to remove these devices from inside their homes and public places, and that during the removal process many had cracked those things open to see if they had any guts, only to find them empty. The Soviet people had lived whole lifetimes believing the government was spying on them and able to hear everything they ever said. It turns out it wasn't technically and financially possible to bug everyone everywhere. You would need one person monitoring every few mikes. That's at least as many citizens as there were being spied on!
Now here we are. We have miked ourselves. We bought the bugging devices, voluntarily carry them on our persons and even subscribe and pay for the muliple services that spy on us. The fear of living in hell is just gone.
And we have computers to analyze the conversations of everyone everywhere. We no longer require the level of human monitoring. Only the conversations the computer analysis deem to require human scrutiny are passed on for this.
AAAAAHHHHHH! OMG. IT JUST NEVER ENDS. GREAT VIDEO I think😃😃. I am retired and 70. I feel like my head is going to explode. 😃🤣👍
Don’t worry boss man, not too much longer of stressing
I know a few people who have fallen for that safe driving device. None of them got the discount because of 'poor driving practices'. No crashes, no tickets.
I'm a victim; State Farm to be exact. And that rubbish thing penalizes you if you have a 'braking event'. Phoned them up asking about it and the gist of the explanation was 'if I have to brake hard like that then I may be following too close'
My (passive aggressive) response? 'Understood, I'll just slam into the back of someone who cut me off at a moment's notice then. Or run over the deer that leapt out from the bushes 😊'
The guy went silent on me. Not sure if he was dumbfounded in the moment and/or aggrivated with me. 🤣
I got the snapshot device through progressive and it cut my premium in half! only drove the vehicle a week every 3 months.
" None of them got the discount..."
I do with USAA. It's not much ($15 a month), but it's better than a kick in the death.
My husband tried to get me to get this device because it can save us money. I said, "No"! When I told him why, he didn't do it either.
When I switched to state farm they asked if I wanted that and that was a very fast hell no.
My mom was about install an analog tracker from her auto insurance company for $50 off a year. I warned her right away that it is possible they will track her speed and other driving habits and make her pay a bigger premium next time she renew. She threw that thing away right away.
Insurance companies are also monitoring Carfax from your service records you recieve from the dealership. They are monitoring the mileage and raising rates for miles you drive.
so true! I had my policy based on 7000 miles a year when I bought my car in Sep 2023. In Feb 2024 I went to dealership to get my free oil change, I didn't have any other service with the vehicle and when it was time to renew my policy in May 2024 I have received updated premium and it was saying in disclosure that my updated rate is based on estimated yearly mileage of 10126 miles (exactly this number) and now I pay $20 more every month.
Don't go to a company that reports to Carfax.. get a side mechanic.. keep the smaller worker employed.
"Why would a weather app be tracking driving?" SO true! Great video - thank you
You can have the weather app follow you while you're on a road trip for upcoming conditions to your location.
@@SolaKnitez-bt8wy Yes, the statement "my weather app is tracking my driving" is completely misleading and trying to push a narrative. The weather app has access to your GPS in the device so you can find weather related to your location. You often don't even need to give the app this permission. It's just annoying because you'll then have to zoom in wherever you happen to be on the map to see local weather. Or search the zip or something similar.
It has nothing to do with driving. However, the data may be valuable to certain analytics companies and if the app developers can sell that information, they would have more money to improve the app and continue offering the service (possible for free in a lot of cases). This would be the only link to driving, but it's not direct.
I've had my driving monitored by those apps at my job. I actually get to see the driving reports for transparency and they are laughably bad. It penalizes you every time you stop at a stop sign. Calls it a "speed deviation". Every time it switches service towers, it locks your gps speed until connection is restored. It dings me for driving 65 through a small town because there's no cell service there. I've also had it say I was driving 999mph too lol. It also penalizes you for avoiding crashes
For real? That's nuts!
Add AI, and it will automatically kill your engine for letting it idle for too long while on a road trip passes through Kansas.
@@JasonW. Sounds made up. You aren't idling if you are moving at 75mph. AI isn't perfect, but it also isn't an idiot.
Sounds far fetched. Insurance companies do this to determine rates. Not to give everyone bad rates. If they wanted to do that, they don't need an app as an excuse. Also, they don't want to get rid of their safest driving customers due to bad readings. That isn't good for business, and that's all they really care about.
Yup. I noticed that looking at the info on my phone. They dock you points if you are stuck in stop and go traffic.
I had Hartford and downloaded the app. I was pretty darn proud of my consistently high scores (an occasional 92-93; mostly 96% or higher) I've been driving for 54 years, I'm accident-free, no tickets or violations in the past 15 years plus, and I drive about 3000 miles a year. When my six-month renewal came along...my premium went up over $400 a year! Dropped them -- and their app -- like a hot potato.
Next up, homeowners insurance companies will want cameras inside your home to ensure you are using your home safely. 😅
Not just that, but also if you’re taking good care of your significant other in the bedroom! It’s coming. (no pun intended)
One of the best ways to fix this is to register with information about someone you know but don't like as much.
For example Gas Buddy thinks I'm my friend who votes for this kind of control.
Always think about corrupting the data instead of just avoiding it. Anytime an application asks for your race or gender, choose something different every time.
I drive a lot for work, use my own car & get paid for mileage. Employer changed from manual entry for mileage to a phone app. I used it once, and realized it was tracking my speed, braking, time at stoplights, did I drive outside of my lane, how many stops I made & how long I was at each stop. In addition, the default of the app was to track everything. If I turned off a feature the app would turn it back on automatically. So I told employer, it’s my personal car, I don’t want to use the app & now I’m back to entering mileage manually.
I’m a truck driver. I guess I’ll just keep it a couple mph under the limit for 400 miles every day and anyone watching will think I’m the most responsible driver ever! I get paid hourly so this could actually increase my paycheck 😂😂
Jeeeeeezuus
@@FallacyBites thanks for your contribution
Many personal car drivers don’t have this option
App is needed for deliveries. Nice way to spy.
@@davereiland9921I liked his response. It was apt.
Great analysis Steve. This is the reason Privacy Laws are needed so desperately in the US. The EU has GDPR and it has teeth.
Don't put too much faith on GDPR or even the EU. They'll throw you under the bus if you do something they deem "offensive."
Good ol' EUSSR.
@@PhilipMarcYT What nonsense.
Lobbyists for big corporations in the US need to be banned. The US has too much money in politics.
one of the nice things, is that it has to be just as easy to remove consent as it was to give consent in the first place. So none of the yes thank by clicking a button in the app and a damn snailmail letter to withdraw consent
On the contrary, companies and gov infringe in people's privacy more each day. Just watch the news...
Get a Faraday pouch for your phone when driving. 😊
I have a little device that plugs into the charge port and does the same thing.
People. Just turn off your Location/GP and DATA on your phone.
@@mutteringmale they can still hear conversations to try to bombard you with ads.
@@Dbb27 Where can we learn more about that?
Fave it?
I don't have any of those apps, but Google maps definitely knows when I'm on my motorcycle....
Yup. I have Farmer's discount driving app, and I took a ride on my MC and oops! I was " driving distracted" and "Driving making hard stops" etc.
Forgot to go to Airplane mode....never again.
Yes, Google Maps can tell if I'm walking, running, cycling, biking, or driving.
@@adambirman2379 That's why I rarely have the location and data enabled, and never wifi and bluetooth when out of the house.
I warned of this when State Farm first came out with their little device. Look folks is simple. Never ever ever never trust an insurance company. EVER!
The idea that insurance tracking your driving habits is good for the consumer is devoid of reality. The tracking is used by insurance companies to protect the company from having to pay out claims or to increase your rates on any random garbage they can point to, including 'unsafe driving' according to the tracking.
Edit: Also I'm getting sick of hearing companies try to defend themselves saying crap like 'we don't sell identifiable information'. The entire point of selling the data to the insurance companies IS to link it to a potential customer of theirs and they are doing it somehow.
You are also tracked though your credit card. Always pay with cash.
Insurance agent here the data is quite likely anonymized the reason they would buy it would be to refine their proprietary telematics progams to try and make sure they are more accurate/competitive then the competition. also i do say this with me saying 100% that i will not sign up for a telematics program with an insurance company, i like to have fun when i drive and there are times and places that it can be done safely but those apps are only gonna see wow your drifting around this corner or wow you really slammed on the gas there and accelerated faster then we like. f that noise.
Sorry, this is going to be a little wordy. When I moved states I had to find a different insurance company. Found one with the option to save money by installing one of those driving monitor devices; I had refused to install an app on the phone. I consider myself a safe and passive driver but I got dinged a few times for what the device recorded as a hard break. I caught on quickly and would much slower then usual or necessary approach a stop sign, intersection, turn etc. I gave up pulling over to let faster cars pass because the turnout lane was not long enough to accommodate the long and slow process to come to a full stop that the device required. Thankfully I live in the country so there are not too many traffic lights. In a big city you would get dinged for a hard break several times before work and then again after. The thing in the country though is that we have lots of deer. I may have to reduce speed or even swerve a little to avoid hitting the deer. And don't get me started on the pothole swerving necessity. Driving after a certain time on the weekend would also automatically get you dinged. So if you are living way east and decide to go on a road trip west bound, either stop driving quite early in the evening or get dinged. When my insurance came up for renewal I send the device back and was prepared to have to pay more for insurance. The peace of mind right after was amazing, I drive normally again and not totally paranoid what could get me dinged this drive around.
Greetings: This reenforces my statements about the Real ID Act and the new generation of "smart devices". Such devices R the favourites of the NSA. Thx 4 the share. Repeal the Real ID Act!
There should be legislation stating that if your information is sold you get 100% of the proceeds of the information, as well as can choose who it can be sold to.
No one would sell data if if they get 0%. At the least, you should be informed of who its been sold to and for what amount. That seems like the minimum for what would be fair.
@@Moosetick2002 that's the point I am making. They can collect for their own purposes, but if they sell it you are entitled to 100% of the profits. Or something equivalent to 100% of the profits. Or some mix of the 2.
We already did. It's called "unjust enrichment".
There actually is a bill waiting to be voted on for data privacy. We gotta pressure our reps to take that up. We should have FULL control over our data & decide if we want it sold at all.
Why are people so concerned about the money? Is it just some kind of fear of missing out? Or some kind of entitlement like they are owed something in life?
Good thing the apps can tell when you're the driver vs a passenger... /s
Which just means they charge you either way.
Or say for certain if you’re driving your own vehicle or not… imagine this situation for first responders…
I took a BIKE ride and they flagged my trip as dangerous driving cause it thought I toook my car offroad.
@@braddl9442 oh damn… I didn’t even think of that one, I have a Jeep I take off roading. Might have to look into that one
Ever got a cab ride in Philadelphia?
If the insurance companies had their way, that would be grounds for immediately doubling your rates.
If you ever work with large mega companies, you quickly learn most are a facade of caring about customers, but are actually vices to squeeze every penny out of the customer (especially is customer is another company).
Here is some food for thought I was told by an insurance agent that say for instance you live in an area and your State Farm and you have over 2000 State Farm members in your ZIP Code for each time anyone of those members have an accident everybody else pays for it. That’s why the rates increase and change all the time. So you’re paying not just for you but what other insured members in your zip code have accidents. That completely pisses me off.
Insurance companies went woke many years ago. They don't use actuarial tables. Why? because certain people who live in certain areas and are on welfare and have criminal records commit almost all the crimes, DUI, crashes etc. And the rest of us have to pay for them. It's "Welfare Insurance" paid for by good people.
@@mutteringmale- How infuriating! Everything that is w ok e stinks to high heaven.
@@FP65 Yah, but since the average IQ has fallen quite a bit, and the teacher's union has destroyed education, the average person loves woky stuff and black washing with imbedded cigarette and beer commercials like Netflix does.
That's the excuse Progressive gave for the huge increase in my premium. I argued that I have not had a claim ever since I signed with them. But it's what other drivers have done that's increasing my rate. Smh. When the government made insurance mandatory they made us sitting ducks for disadvantage. Sounds like allowed robbery to me!
May be best to turn off GPS when not needed.
Great topic thanks for bringing this up and putting it on our "radar" no pun intended.
People make fun of my unlocked old flip phone. They make fun of my 25 year old car I have owned for 15 years. I love them.
same here.
That's why I drive an older vehicle. None of that tracking crap!
After a search that rivalled the one for Amelia Earhart I found a plain vanilla full size pickup year 1999. Needed some work but way cheaper than the overbuilt, overcomplicated, overprices they want you to buy now. And it won't spy on me.
Yup, me too. A phone is for talking so I got a flip phone that only does that. And for directions, I have an old Hagstrom paper map to look at. No charging necessary! LOL
Same here, and they also make fun of my tin foil hat.
If something is free, you are the product.
Excellent comment.
Too bad they charge for insurance and phones.
@@yerbudspudNot to mention the car...
Like the free, safe and effective vaxxx
That should be a T Shirt!!!
Thx for informing me of that! I need to sue my cellular phone company & my insurance company for conspiring to invade my privacy, preforming an unlawful surveillance of me without a warrant.
My insurance tried to get me to install an app for a lower rate. I told them I have a 40 year driving record with ZERO moving violations. You don’t need any data except my track record.
The biggest problem with these apps is that they can't tell if the person is actually DRIVING. A person can be getting a ride from a family member or a friend or even taking transit.
you have to go in an manually tell it you were not driving.
@@braddl9442riiiiight so its our responsibility to prove what we were doing when they are the ones tracking us??
That's certainly another problem. But the invasion of privacy is unacceptable in any case.
iPhone has been contacting emergency services near amusement parks. People riding roller coasters set them off
no it does because it know how often it hears the certain sound of car door shutting and blinker noise
Louis Rossman has the perfect descrition for this: EULA roofie.
Rossman FTW
The real problem is that it only comes in suppository format, is inserted sideways and comes coated in hot sauce.
❤️ Louis
If the service is free, you're the product.
@@wesleyhoward5599 That is no longer true. Adobe, Microsoft, Samsung, Apple, many car makers, and many other corporations have odeous EULAS on their paid and often very expensive products. Not only do you have to pay a lot for their products but they claim ownership of your data too.
Have been enrolled in this with USAA for 2 years ! I save 30% and only drive 10k miles a year !
Plus phones come with built in accelerometers for reasons not necessarily tied to this. But it measures how hard you accelerate in any direction, laterally, etc
I've got a huge family plan and I will 100% drop the whole thing and find a new option over this. 100% and zero hesitation.
Put your phone in a faraday bag. End of story .
@@Ninurtha1
Exactly
There is an option in Android that can be enabled to turn off sensors. It's under the developer options. It makes all of the acceleration and direction sensors turn off to disable this kind of tracking.
Unfortunately, all the insurance companies are in bed together, so good luck finding a better deal! Oh, and so are the state governments!
@@paraax not true for all android
The other scam by insurance companies is to offer you roadside assistance as part of your policy.
After 34 years with AAA- I went with State Farm ; bundled our homeowners insurance and 5 vehicles. At the end of the year, our rates were 3 times our original rate. We hadn't had an accident or. claim. Their explanation was that since my husband had a car issue that had him towed twice in a month- those were considered claims - so that affected our homeowners insurance ?!? WTH?!
NOW, back with AAA and separate auto and homeowners insurance.
AAA is good.
You're 100% correct. NEVER have roadside assistance with your auto insurance. The tow claim (or any roadside assistance service) will show as a claim in ISO,(nationwide insurance database) which every insurance company in the United States uses, and the roadside claim will remain on your record for as long as you're alive. I'm a long time recent Geico claims investigator fyi
Somebody didn't know the real answer so they just made that up.
Had to have motorcycle towed/taken twice, and progressive didn’t consider that a claim.
AAA is great. I detest State Farm.
Born in '84, so I grew up with the internet and all the related crap around it. I watched as my friends always jumped on every new bandwagon of social media and various "assistance" features of phones and computers. From day 1, I realized this is a bad idea, because this is digital information that almost never gets erased, and exists for the world to see. Basically eliminating almost any privacy that you have. I never participated in any of it. I don't think there is even a picture of me that exists online. I tell my close friends to make sure to not post any pics of me, or at least never tag me in any of them. I don't ever use the AI or assitant features on my phone, stay away from most apps (especially "free" ones), and block every piece of data reporting that I can. Same for my cars...I turn off any data collecting, reporting, logging, or emergency services.
What you're describing is the great divide in the world between the drooling masses and you. congrats.
@@mutteringmaleThe main problem I have is that a lot of the people willing to trade their privacy for a free feature, are the same people that are always too eager to trade their freedom for the feeling of "safety". Not real safety, mind you, but just an illusion.
@@BigBear-- That why we have teachers, grave diggers, ditch diggers, clerks and janitors, these are the masses of mooing maroons that need to be comforted....they should thus not be allowed to vote.
We need to go back to being a real republic, not this insane democracy.
My main issue is what if you’re riding with someone, but furthermore, my job requires me to test drive vehicles and it’s my job to test hard up shifts, down shifts and breaking. Im not in my personal vehicle. But im sure others have jobs like this also.
Get a burner phone when you’re test driving vehicles!
They will never give you a discount if you drive safely, but they will charge you more if they feel you drive dangerously…..
Not true
Eventually they will just charge everyone more unless they install these devices. It's similar to how UA-cam is relentless about spamming the dumbest most annoying ads ever in an effort to strong-arm us into buying UA-cam premium.
@@Franklin-pc3xd which insurance company you work for??
Yes! These people are naive 😂
Absolutely 🎉
Insurance companies are the WORST corporate entities ever formed. Their actuary tables they use are BS, and they just steal our money. I am 61, I have had one ticket and one $800 claim in 30 years, and my insurance rates have risen drastically.
That may be because you didn't take the app.
Those tables aren't total BS. They keep staying in business. If you think they totally rip all their customers off, buy stock in them and profit.
@@Moosetick2002 What do corporate boots taste like?
@@Moosetick2002they stay in business because it is ILLEGAL not to purchase policies from them... they would never stay in business in a free market.
Because statistically, as you age you are more likely to be in an accident. Just like risk is greatly increased when you are a young driver & pay for higher rates. Men pay higher rates than women.
Just remember this the next time you decide to call insurance companies while driving
Greetings: U R correct about the liwer rate gimmicks. Look at Ur rate at beginning. Then later. Chance is it still increased.
This info needs spread everywhere so people will get this changed.
You are also tracked though your credit card. Always pay with cash.
It's embedded in the core AI programs and isn't going anywhere. It's too profitable. We are here. This is dystopia. What you can change is how you use the apps, or not. I choose not to use the android apps. I do like YT though.
Nothing is going to change, your only option is to become technologically literate and fight it in ways that will work. Step one is moving away from smartphones registered in your name through your cell company. Step two is getting away from Google/Alphabet, Microsoft, etc. Wait till you find out what Copilot is doing. "In FOSS we trust."
@@RT-qd8yl I agree.
@@LisaSimplified check out LineageOS or GrapheneOS, it's a notable improvement
Im a software engineer, I run a de-googled phone that only allows certain special apps I've vouched to even run in the background. I drive a 20yr old vehicle for this reason too. I've been called paranoid by friends, despite knowing far more than them about anything technical. I love being right, might as well sit back with a bag of popcorn and enjoy the show.
People really need to understand that all the data being collected on them lasts forever, and can be used against them at anytime, and eventually by anyone.
You are also tracked though your credit card. Always pay with cash.
Graphene?
Other operating systems exist other than graphene
@@the_expidition427 sure, but Graphene is one of the most popular
You “love being right” about people being tracked? Aside from that REALLY weird statement, I wish somebody cared about me enough to track me as much as you think they want to 😂
If the app is free, you're the product.
I have an app from my insurance company that I voluntarily enrolled. I receive a 15-20% discount as long I have a good score. It tracks phone handling, calls, and hard breaking. I score well, so I appreciate the discount.
I actually avoided an accident, that evasive maneuver resulted in an increased premium.
I ACTUALLY AVOIDED MAKING A CLAIM - BUT THEY INCREASED MY RATES.
I got a rate hike for 'multiple hard stopping' to avoid large animals! in a 60day period I missed 5 deer and a loose cow from the pasture on one road. :( country roads are dangerous even w/o another driver for miles!
Insurance is and has always been a scam.
How were you being monitored?
I plugged one of those things in my car because I drive less than 100 miles per month and kept my 100% discount (zero hard braking, zero jackrabbit starts) each of the three 90 day periods up until the final 10 days when suddenly the plug-in from the insurance company stop responding and I had to get a new one. After the 3rd one failed in the final week, I told them to forget it.
@@_PatrickO I was just using a progressive safe driver module plugged into the car's computer.
I have for a long time thought there should be a federal law requiring all companies that keep a data file on you to provide you with a yearly notice that they have the file, access to a complete and full copy of that file in plain English and a complete list of everyone who has had access to that file. I know it will never happen because our corrupt politicians are in the pockets of the corporations, making money off our personal data.
How 'bout we just make it unlawful to spy on us.
California has laws forcing companies to delete your data if you request it and they do not allow auto insurance companies to charge you more based on any data collection.
people act like politicians solve the worlds problems when they all cause them. tyrannical leaders have not once been good in the entirety of human history
@@nomercyinc6783 yeah but most local leaders in the US (except some of these red states w/ draconian abortion laws past two yrs!) are not tyrannical. So use your terms carefully.
I pay way less for insurance because I enrolled in a program that proved I drive less than 50 miles per week. My insurance went down, so I can't complain.
Since I don't use social media anymore, I don't see any more ads than before.
Your mileage may vary. 😊
Also a weather app may keep you out of the rain, Sir.
Mine does.
Ironically, the only reason I was suggested this video was because I was discussing an idea for a platform which monitors your driving with your knowledge.
Software engineer here, worked for many insurance company's though out my 35+ career. I have never seen any reductions in actual cost of insurance. Most of the time, if you have tickets that puts points on your license, you will have to actually switch insurers to reduce your cost, but only after you points come off.
I just had a very similar conversation with my daughter who started getting cold calls after downloading an app. The way I explained it was - unless you read the disclaimer from top to bottom AND understand every word you must assume you are giving full access of your phone to that app. History, photos, location, microphone...everything. Her response was why would they want access to that stuff, it;s a shopping app? My response was so they can sell it. That really is what it comes down too.
Even if you read it top to bottom the language is so deliberately broad that you still have no idea what they are collecting or sharing. It is astonishing to me that courts have decided that these terms are enforceable.
that isn’t possible with apple apps unless you grant those rights.
One aspect you might have missed is that they don’t need to track your “driving data” but simply location is a lot. A weather app that tracks your location alone can use your location data to know when you were driving/speeding/stopping for gas, etc. With AI and other tools it’s very easy to do a lot just from location data.
I got one of those plug-in deals from Progressive and put it in my son's car to try to save a little bit of money. He told me it would beep even when he did a normal stop so I took a ride with him and sure enough a below average stop would set it off. I think the savings I got was about $70 or $80 and when I took it off my bill went up over $200. I dropped Progressive and went to another company and saved almost 100% on my bill.
YES!! Phone listens. My neighbor came over to take photos of a bat on my house. His wife and I talked for a minute. THE NEXT day there were 3 articles on the news feed of my phone about bats. !!!!!!!!!!!!
Yeah, they say there's no passive listening but I and pretty much everyone I know has gotten targeted ads based on things we said around our phone.
It's probably because your neighbor searched something about bats. So you get a targeted ad because people in your area are searching for bats
I've had stuff like that happen too. It's a little unnerving.
I was looking to get my brother who lives in Florida and didn't send a Christmas list a gift card to a local seafood restaurant. I decided to buy him a box from omaha steaks. I kept getting ads from both places for awhile until I went to another site for something unrelated. I started getting ads for that place.
That's just a coincidence. If coincidences like that happened every day, then it would be suspicious
Once I dropped my phone in my basket of wet laundry and accidentally put on tumble dry for half an hour. My insurance skyrocketed for being involved in the world's longest vehicle roll-over.
Sue them! They don’t have the proof of the accident. Where is the damaged car if so? Yours is at home and none rented involved in accident. 😉
🤣🤣🤣
@@cujbaion1It's a joke, sweetheart..
😂
THIS IS THE GREATEST COMMENT I EVER SEEN!!!!!! 😂😂😂😂😂😂
This is very true. I have AllState as my insurance company. They know about how fast I go, if I have accidents, etc.
Your rates will NEVER go down from being monitored. They will ALWAYS find a reason to flag your driving but regardless, what they consider safe is an algorithm that doesn’t involve real life. Driving the way they say is safe will be dangerous which will get you into bad situations which will cause you to react to avoid an accident and that will be seen as erratic and unsafe. Lose/lose.
indeed... hard breaking and hard acceleration is bs metric... what if i accelerate to get away from a potential accident, or brake hard in a side street doing 5 miles bellow and johnny jumps out from between cars... this is stupid but is designed to have excuses to raise your prices... In trucking they have a word called preventable, like you can sure prevent being rear ended, lol
I am sick of companies and the Government snooping on us ! Americans are supposed to have privacy and they know it ! We need to have one big lawsuit against our Government and these corporations !
I don't use the app.
@@lovly2cu725 They are still spying on you !
@@lovly2cu725 Turn off location, and use an old school Thomas Guide.
Is Thomas Guide still around?
@@lovly2cu725Do you have a cell phone? Does your car have Internet connection. Like Steve said and every other professional privacy advocate says, if you're connected to the Internet and/or have a cell phone (handheld computer) with you ,even if it is off (look it up) you're being tracked. And because your personal info is linked to a device, your personal info is there. And for sale.
Every modern communications, your electric meter, your WiFi, your phone, your computer, the scanner at the stores, your medical data, and of course your banking activity. It all goes in government and private finance “brokers” computers. If Nvidia is up in the stock market, 📈 then the “surveillance” chips are increasing. The whole capitalist system is now focused on using every individuals data, every man, woman and CHILD. No privacy, nothing sacred, no constitutional rights, and our Supreme Court backs these violations of our homes and our persons, as do our political operatives bending over to lick the boots of finance’s conglomerates. Congress’s dedication to money as their sacred touchstone of immoral character in modern civilization.
The thing is, virtually ALL phone apps use the same, basic template. This template can access location, acceleration, ambient temperature, phone logs, messages, contact lists, app list, calendar, and even the camera and microphone. App developers merely tell the template which data to collect, and how to use it. It's all laid-out in that "I Agree" BS. This is true, even for apps that you would never suspect, like "Horoscope" or "Flashlight".
I have been warning folks of this for 10 years or more. They have flatly refused to listen, and even call me "a conspiracy theorist". I'm glad to see that someone is finally bringing this to light. Ditch the "smart" phone!
You are also tracked though your credit card. Always pay with cash.
@@gandaulf2000 Stop.
@@gandaulf2000 Is there a GPS in one's credit card?
@@robertcambareri1028 Dosnt have to be. The address where the card is used is bundled with the transaction. If you use your card online, they can also bundle user agent data and your IP address.
Personally, I'm not all that worried about certain types of tracking but some out there are super paranoid about any form of tracking.
@@robertcambareri1028 no, but if you pay for gas in minnesota, anyone with access to the data will know you were at a specific place in minnesota at a specific time.
A missionary amongst cannibals and head hunters in New Guinea, Otto Koning, once went to get life insurance from a local place with a sign that says "we insure everyone". After he told them what he does they kicked him out. He told them to take the sign down.
The only person that's worried about who's watching you is the ones who shouldn't be driving in the first place.😂🎉😅
No speeding tickets ever. No DUIs, no tickets of any kind--not even a parking ticket in over 45 years! I am no longer driving because the stupid insurance company just raised my rates YET AGAIN! Cheaper to have someone else drive me around now, much cheaper!
Lol you let them win and now you won't drive? Go find another company and enjoy freedom. Or you could act 17 and carpool with Becky 😅
@@jasontaylor5061 Forgot to mention cataracts and glaucoma. Safety is the ultimate win!
What if you ride your bicycle and have your phone with you, speeding possible, cutting across a lawn - what a drunk, driving on sidewalk..
Rates are higher for older drivers. That’s not going to change.
It used to be cheaper for older drivers but they it's not the 90s anymore 🤷🏻
Tim Hortons got in shit up here in Canada for tracking people down to the level of when they entered and exited a competitor's store, and all we got as compensation was a free coffee and a sandwich. That's what the Canadian courts have decided that our privacy is worth up here.
You are also tracked though your credit card. Always pay with cash.
What sandwich did you get?
But was it delicious?
I was with State Farm, currently Hartford. I get a substantial discount for them tracking my driving
That's your problem
if you have tire pressure sensors or if you have an infotainment console in your car with a build in wifi/modem, these devices constantly transmit a blutooth/wifi signal. The app you are using "may" be scanning ip addresses through your phones wifi/bluetooth at which point it would know by proximity (signal strength) that you are driving different vehicles and it may build a different driving pattern based on that.
At this point, I can only say, "Duh! If it's connected, it's a tool for spying!"
Yep
You are also tracked though your credit card. Always pay with cash.
exactly . That is why I don't have any Alexa type devices , a Roomba type device, or "smart anything" in my house.
I changed insurance companies a few years ago and was tricked by being offered a low rate. Once I agreed I found out that they would be tracking my driving habits and was required to download their app. I was pissed that they didn't tell me this prior to me signing up but I went ahead and took the bait. A few weeks later I flew from Colorado to Boston for a week. While in Boston I took a hop on hop off tour of the city later to find out the app tracked all activity from the tour. I did end up going with another insurance company but now I make it clear that I will not participate in using their apps. This is a total invasion of my privacy. I've kept a clean driving record for the last 35 years along with a 800 plus credit score. This is all they need.
I bet they *did* tell you but you ignored it or simply didn’t read the agreements you were signing.
Hopefully they didn’t ding you for driving at 600 mph across the country.😂😂😂
They need all your money and then some.
Some insurance companies have drones and spy on the homeowners .
They ook into people's yards to see what is in them and how the homeowner maintains his/hers properties.
How does your credit score reflect how you drive?
When I was done with a call and went to my calendar to put in a schedule for my dog, the phone suggested “dog appointment for Thursday 13th at 3pm!” The people on the phone didn’t have my email, I guess my phone was listening to my conversation!
@stevelehto They can track if you’re in different cars if your phone connects to different Bluetooths for different cars. The Bluetooth connections are often helpfully labeled with the cars names 😅
2014 I used Progressive-Auto. They gave me this device that I plug into my OBDII connector. It was supposed to reduce my insurance. But my insurance stayed the same. And it beeped every single time I braked. The beeping was supposed to notify me I was braking wrong. But it beeped whether I quickly but evenly/smoothly came to a stop, or I took my sweet time and started braking 200ft in advance. Eventually *_THEY_* cancelled my insurance cause I guess they didn't like the data it gave them.
I was 19. Been driving 3 years. But the device in hindsight was more of a black-box. To record the final moments before a wreck so they can deny any and all claims and not do the job you pay them to do. Never again.
You are also tracked though your credit card. Always pay with cash.
Never again!
If you use Bluetooth your phone knows which car you are driving. Remember, if you are not paying for the app, then you ARE the product, even with ads.
thats why i only use my headset bluetooth never hooked it up to my cars or the semi i drive
@@screwitimout4920
Good way to get a traffic ticket
Install your own head unit or run a Bluetooth adapter on 3.5mm.
Steve: Let’s sue the app developers in a huge class action suit. Are you also a member of the US Bar Assn.?
And I noticed my insurance premium doubled one year but the agent said they can knock almost 50% off. If I use a tattletail device or app on my phone I have to turn on before driving.
I switched carriers and got my rate back to what it was but they are pushing a tattletail app on me now that it's available in my area. So I am almost certain my premiums are going way up because I said no again.
I've had this conversation with friends and family and I am amazed at how nobody seems to care. The typical response is "who cares, I'm not doing anything illegal" or "I'm too boring for anyone to keep track of me." When I ask do you really want some corporation to know your every move they don't care. What is wrong with people? Get rid of apps and leave your phones at home more. Also, how don't they know I'm driving as opposed to riding in someone else's car?
That’s the same argument people were making with the traffic cameras. “Well if you’re not doing anything wrong, you have nothing to worry about!” 🙄🤦🏻♀️
They really just don’t get it!
Thank you…I just deleted My Radar off all my tech. This is way too much. I truly do not understand why we as a society let this go on. I don’t think I’ll live to see it but maybe one day it will go back to “We The People” instead of “We the politrickians and rich”
What makes you think that it will ever be any different than what it ever has been. They have always been doing this kind of stuff.
Why just “My Radar”
@@petervanderveen2340 I’d like to think we r more educated and maybe just tired of living under others thumbs. I do c another civil war happening and not due to race problems but because of the living conditions and social conditions.
MyRadar CANNOT track your driving habits unless you give it permission and physically go into your iPhone settings to turn on that function
@@dand2334 Thank u for this info. Not that I drive crazy or do anything wrong I don’t trust apps that sell ur information and have gotten rid of most that I truly don’t need. If they sell it to insurance companies they’ll give it to the government. As a Soldier for 28 plus years, I don’t trust our politrickians or government organizations. I served for my fellow countrymen. I’ve been a part of and witnessed the lies and corruption they spew. There are far too many Americans who put their trust and faith in the leader💩 of theses POGS but are either ignorant (not knowing) or just flat out ignore what’s going on around them thinking it will get better. I guarantee u that insurance companies aren’t the only ones getting this information. Knowing some of the things I know if I could go off grid I would. And yes, this old Soldier is looking for about 5-10 acres of land to do so. The selling of personal information should be one of the first things u read in normal bold print instead of the last thing u read in minute print. Just an old Veteran’s thoughts.
I tell people this all the time, and all I get is denial, lol!
This is insane tbh.
The cars are ratting us out, cameras, now google maps probably?
That’s insane for real.
100% true - we need consumer protection laws around data collection ASAP
All the grocery stores are collecting your data via a code that you voluntarily input at the register so that they give you the regular price on your groceries…
Sadly that will never happen, gubmint loves anything that monitors citizens.
@@patriciaraymond7839 California is one of the few states that got in front of this whole mess with the rights they gave individuals to have their data deleted upon request.
It’s not nearly enough, but it’s at least SOMETHING.
As it stands, companies will literally refuse to delete your data unless you are a resident of California (or one of the other few states that are slowly adopting policies around data retention)
How do I know? I asked a company (that I worked for) to delete my data, via the request option that was listed on their web portal. They rejected the request stating that I did not reside in California so the policy did not apply to me.
@@patriciaraymond7839 not at all! Biden admin has been discussing this, unlike ANY single GOPer in congress or anywhere at all. As usual, GOP/repub's are the hotbed of corporate america! Same as it ever was!
Please keep the consumer protection videos coming. I try to keep up on this stuff and haven't even heard of this.
The apps came out years ago. The carrot was to get a discount for good driving .you have to have th a app on while drivng
Have a dash cam and send in the footage
Damn, I'll attach my phone to my racing rig from now on, just to troll everyone. 😂
8:07 If you’re connecting your phone to your car via USB or Bluetooth, then the app could plausibly do MAC address or other checks on your phone’s connected devices, then later they’d do a reverse lookup on manufacturer published lookup tables to make determinations on what type of device those are, all to potentially end up making a determination whether your phone’s connected device is “the head unit which comes standard with new cobras matching your insured vehicle’s model year”, for example.
This is all in theory, but seems extremely plausible if you’re running the app while identifiers from your car are connected to your phone, wired or wirelessly.
Oh, the app magically knows if your brakes were 'slammed' due to being cut off in traffic by another driver, an animal darted in the road, avoiding debris in the road, or evasive measures to avoid an accident
actually it does, because it uses sensors and radar. It can also hook up to your car's computer. Google maps knows exactly what you're doing behind the wheel.
@@privatecitizen1246not in my vehicles.
@@privatecitizen1246but how would they differentiate between emergency maneuvers or driving like an a-hole?
For stuff like weather apps, where you only occasionally want to actively check their data, disable Background App Refresh, and change location use to only "while using".
It's not perfect (the app can't preload the current weather and give weather alerts), but it helps.
I wonder if Sirius Satellite Radio is doing the same thing? Going to have to look that one up especially since we have the additional traffic part. 🤔
What in the hell!> no wonder why the latest insurance company wanted me to put a device in my car.... No thanks that was last month... went w a different car insurance. Probably cause my car is from 2012.... Well Thanks Mr. Lehto, I appreciate your video and content. 1st video=like and=sub. Thanks sir, much obliged for the information.
Allstate, progressive, and Hartford all have data collection devices. Allstate, progressive have plugs that go into OBS port. Hartford has a app. My app comes up when I'm trolling in my boat at 1 mile an hour 🤣
You realize that port is only supposed to be used for scanning purposes and isn't meant to be used when the car is in motion. I absolutely turned the discount offer from my insurance company.
I tried the Progressive dongle about 10 yrs ago. It drained my car battery and would leave me stranded....
@@jilbertb that was ten years ago. I currently have it and it has no issues like that. If I leave a dome light on in my car it'll refuse to start.
I have progressive, i only needed the obd2 port dongle for 6 months
If you have an app on your phone that starts tracking your speed when you are fishing, throw your phone in the lake.
What people don't seem to know is that you don't have to be at fault in an accident for it to increase your insurance score. In my case, my vehicle was totaled due to the combined damage done in two separate accidents, neither my fault. The insurance company paid me what they said it was worth before the accidents. The insurance company then raised my rates by a factor of 4. $400 to $!,600 for 6 months. Their reason was I had a high insurance score! Another reason why Michigan's no fault insurance scam is no fault in name only and is just the opposite of in application!
WOW!
Glad that I do not use many apps!
I have my phone with me while riding my quads, drag racing, and... Yes Speeding on the Highway!
I downloaded Life360 knowing all this. I use it to track my mom in case I can’t get ahold of her. She’s older and refuses to stop driving. So I like the peace of mind at least seeing she has made it to point a to b