Quote:
Originally Posted by daiheadjai
Sorry to dig up this old thread, but I had a chance to have a conversation with someone who works at CAA (president level) - what he told me was this:
According to regulations, insurers cannot increase our individual rates based on the data obtained from these types of OBD readers.
HOWEVER - what they can do, is use the data from a specific segment of users (i.e. any BRZ/FRS drivers who did opt-in to the program) and use that data to draw conclusions about the entire population of FRS/BRZ drivers.
As a result, even if you don't see an immediate increase in your rates as an individual, over time, the data from these readers (which will likely reveal the average FRS/BRZ driver to be a bit more aggressive on accelerating, turning, and braking) will likely lead to an adjustment of the overall rates for all drivers of those cars.
Guess which way the adjustment will probably go....
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I'm not sure about the accuracy of that.. Yes I understand you said he's president level, but come on. To me, it's more fair to rate me based on my data versus rating me based on the average data. I think I drive safer/wiser than average so that wouldn't be helping me...now that I said that, it's probably because they can make more money that way since everyone drives bad.
I'm going to be one of the tech leads when my insurance company, who is also my employer, begins using these obd2 reporter devices. If I remember, I will report back what info I learn.