Posted by NCWayne on October 28, 2011 at 21:33:59 from (69.40.232.132):
These things have been discussed on here on numerous occasions in regard to nearly everything and not to long ago one of the things discussed was the OnStar systems being installed in the new cars. One of the biggest 'defenses' for the system was basically that 'no one' was really worried about individuals and the way they drove, where they drove, etc, etc. On one level that makes sense, but I ask you this.....Have you seen the ads for Progressive Insurances newest program called "Snapshot"??? It, in effect, does exactly what 'no one' does and moniters 'individual' driving habits. From what I can tell their device plugs into the car's diagnostic port and actually takes a 'snapshot' of the driving conditions the car experiences. Granted it can't tell exactly who is driving (but I wonder about that since many new cars have preprogramed control/seat adjustments for each driver) but it can tell the insurance company everything from how fast and hard you hit the gas, how fast and hard you brake, what time of day you drive, how long you spend driving, etc, etc, etc.
This gives them criteria to use to determine how likely you are to be in an accident, etc. Once they have that data then they will 'adjust' your rates to match. Thing is they have no idea where you drive, etc so while someone going 75 MPH might in a 55 zone might be likely to get into an accident, the same person going 55 in a 75 zone just as, if not more, likely to get into an accident too. Thing is because they don't know this both drivers are likely to get their rates set higher when in fact one of them is actually driving in the safest manner while the other isn't. Seems to me there is a minor flaw in their reasoning on some things but you know as well as I do when it comes to setting the rates they simply do not care and will jack up the rates on both individuals to further line their pockets.
Now they say they have a privacy policy as to what they can and can't do with the data, and they do. Thing is if you actually read it they leave themselves alot of wiggle room as to who they can share the data with, especially the part basically stating it can be used for 'research' purposes.
So, I ask you, who can say now that 'they' don't have time to worry about individuals? The same information that Progressive is using here, though obtained in a different, yet voluntary manner, is the same information that could also be TAKEN involuntarily by systems like OnStar that integrate with the vehicle's computer. That said, just remember, simply because there are say 30 million vehicles out there, doesn't mean that there has to be someone setting behind a terminal 24/7/365 to keep a watch over them. All it takes is one guy taking the time to write a piece of computer code to do the watching. From that point on one computer can take a 'snapshot' of all 30 million 24/7/365, and condense it down into something that that one person can use to set rates, etc, etc, as his 40 hour per week job............
While I'm far from what even I would consider a conspiracy theorist, things like this really give you alot to think about, when you take the time to think about it at least a little to start with.
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