Car Insurance Monitoring for Discounted Insurance Rates - Privacy Devouring Monster Eating Us One Bi

For a price, would you let car insurer along for the ride? - asks a USA Today technology story by Kevin Maney. It seems that Progressive Insurance and IBM have worked out a scheme to pay drivers to be safer - by monitoring their every move in their own cars, and how fast they make that move, and where they park, and what time they drive.

The program is being tested in Minnesota and in the U.K. in a privacy busting program that rewards drivers for keeping under the maximum speed limits and driving during safer times of day. It's an interesting twist that is compared here to a shopper reward card that monitors what you buy, although it doesn't give you lower prices if you buy healthy food - which seems like the best analogy. (But it does let the food chains know how often you shop and how much you spend on what types of food, and alcohol, and cigarettes and trashy tabloids.)

Drivers must attach an electronic monitor to their cars that downloads information which is generated and stored there in diagnostic chips included in most newer model vehicles. As they drive, it stores current driving behavior - and location - and driving times and at the end of the defined time, drivers take the unit into the house, attach a USB cable and download that information into their computer and transmit it to Progressive.

But the insurance discount program does have an interesting twist in the Minnesota test. Apparently drivers who see from their downloaded information (or just know they drove badly at times) that they exceeded maximum speed limits, drove during expensive times (2am when bars close is most expensive, after 11pm is next) can choose NOT to send that information to Progressive and pay the normal undiscounted insurance rate.

It appears to have the true benefit of making drivers become more cautious and drive within limits of the law during safe hours. There is nothing wrong with this for those willing to give up the information. This allows those willing to be monitored the choice to send the information to their insurer and get a discount or NOT send it to pay normal rates. It's worth considering.

I'm among those who continues to use supermarket loyalty cards, even though I despise the fact that they can see my purchase history and note my travel habits. The savings are just too great to pass up. (I used a false name to set the card up, but quickly noted that they tied together my debit card name and loyalty card purchases, thus gaining that information that I had denied them with the false name - now I use cash.) You certainly can't do the same with the insurance driving discounts. Information must be accurate to properly insure and discount the policy.

The UK program is more invasive and offers far less choice. Drivers must always download the information from the car module to gain insurance discounts and the British company monitors more information from those UK drivers.

The US version may have some merit if choice remains a part of the equation upon full rollout to American drivers who want that ten percent discount on auto insurance policies in exchange for giving up the privacy of their driving habits.

The disturbing part of this, again, as always, is the possible merging of multiple databases to form near perfect surveillance pictures of us with each new development. Our supermarket discounts show that big database what we eat, what else we buy at the grocery, the insurance information defines our travels and schedule, our credit and debit card use defines our spending, travel and lifestyles, while multiple other databases from airline security info to phone records can be merged at any time to form near perfect pictures of our lives for anyone that wants to access it.

Once a national ID (driver licenses will soon carry mandatory magnetic information and will serve as a defacto national ID), we can be fully monitored, tracked, analyzed and digitized to form a truly invasive database of numbers and bits of information about each of us.

The sources of data about each of us are growing daily. The concern is the loss or abuse of that data through commercial and/or governmental negligence and/or criminal intent. The methods to access that data are growing as the sources proliferate.

Privacy is something we give up in small bits for small benefits, like cheaper produce using supermarket loyalty cards and insurance discounts using car monitors hooked up to our insurance carrier. We need laws to control and safegaurd each of those databases and stop any merging of those multiple sources of data into the ultimate Big Brother database.

I want my car insurance reduced and I'm willing to consider this newest scheme if I have choice of whether to send my info to my insurer. I will send it when I've been good and won't when I have been less good. But I don't want it merged with my other sources of data or shared among commercial interests who may see fit to sell it to each other.

It gets more interesting daily. Who is in control of this privacy devouring data monster?

Mike Banks Valentine blogs on privacy issues at: http://PrivacyNotes.com/privacy_blog/ You can subscribe to the RSS feed by entering My Yahoo or My MSN at: http://privacynotes.com/privacy_blog/atom.xml Web Content Resource From http://Publish101.com

Businesses can take heart that insurance premium increases will be ...
Bizjournals.com, NC - 7 hours ago
Area businesses are bracing for another increase in health insurance premiums as budget season approaches. The average increase will be in the neighborhood ...
Harry and Louise are back, still worried about health care Bizjournals.com
Businesses keep an eye on the workers’ comp legal landscape Bizjournals.com
Rockets retire ‘It’s Time’ to run with ‘Get Red’ Bizjournals.com
all 157 news articles

Gustav victims face insurance worries
USA Today - 1 hour ago
As victims of Hurricane Gustav's fury turn to their insurance companies for help in recovering from the wind and water inflicted damage to their property, ...
How to file a State Farm insurance claim Daily Comet
STORM UPDATE: Insurance info; now with State Farm claims office ... The Daily Advertiser
Louisiana Insurance Commissioner to Visit Farmers Insurance Mobile ... MarketWatch
WBXH - The Times-Picayune - NOLA.comall 30 news articles

Be aware of the limits to FDIC insurance
Palm Beach Daily News, FL - 2 hours ago
By GAIL LIBERMAN Amid a rising number of bank failures, experts want you to fully understand the FDIC's convoluted rules about exactly what its insurance ...
How to determine your bank's financial health Los Angeles Times
FDIC’s Sheila Bair says tough times still ahead Bizjournals.com
UPDATE 1-US credit problems far from over - FDIC's Bair Reuters
Housing Wire - Los Angeles Timesall 42 news articles

ABC News
Construction insurance must for firms
GulfNews, United Arab Emirates - Sep 5, 2008
Owners need to realise the importance of a sound insurance strategy at the very beginning of the project. It minimises the possibility of potential gaps in ...
Katrina Citizens Losing Insurance Cases On Appeal InjuryBoard.com
Gustav may cost $10b in insurance Xinhua
Prudential shares rise along with insurance stocks Forbes
MarketWatch - Wall Street Journalall 644 news articles

Cover story of general insurance products
Economic Times, India - 6 hours ago
The good news is that most of the general insurance products being offered in the market today have sufficient cover for all kinds of perils that arise out ...
Insurers see big biz in political risk cover for big cos Economic Times
all 4 news articles

Loan insurance secures dependents
Economic Times, India - 2 hours ago
This has been further boosted by the upsurge of insurance companies in the private sector. They provide an important solution - security of repayment of ...

Amalgamated Insurance Is Moving to Westchester
New York Times, United States - 22 hours ago
By CHARLES V. BAGLI Amalgamated Life Insurance, a company founded by union textile workers in Greenwich Village 65 years ago, is moving its headquarters and ...

Cities, civil rights groups tussle over police liability insurance
USA Today - Sep 5, 2008
By John Fritze, USA TODAY Organizers of the Republican convention were required by St. Paul, city officials to purchase a $10 million insurance policy to ...

MSN UK News
Prison data lost
Scotsman, United Kingdom - 3 hours ago
It was reported the hard-drive contains names, dates of birth, National Insurance numbers and Prison Service employee numbers. The full article contains 81 ...
Computer firm loses prison staff data Independent
Prison officers' data missing The Press Association
Personal details of 5000 jail staff lost Times Online
BBC News - ShortNews.comall 212 news articles

Canada.com
Could Florida Survive the Big One?
TIME - 2 hours ago
It's got the nation's most dysfunctional property insurance market, a byproduct of life in harm's way. Fitch's ratings agency concluded in March that if a ...
Video: Hanna, Ike and Josephine: Triple Storm Threat AssociatedPress
Insurers Urge Floridians to Prepare Now as Numerous Storms Line Up ... Insurance News Net (press release)
Business owners get ready for Ike Bradenton Herald
The Daily Record - Disaster News Networkall 5,180 news articles

Wind Chimes and more...

Windchimes for great gifts!

How Much Car Insurance Should You Buy?