davek0974
Well-Known Member
Had an idea on way to work this morning, see what you think, its a double-edged plan though - some may see it as big bro watching, some may see it as a way to cheaper motoring.
Car insurance - open to fake claims, all drivers get punished with high prices, easy to not pay it and still drive, so on.
How about this - all cars are fitted with a device that has an accelerometer, tracker and speed monitor. It will be paid for by the insurance company of your choice. This will log info like a flight recorder does, relaying it to the insurance co. They will use this to see your driving style - aggressive, fast, hard braking, smooth & steady, so on and then adjust your premium based on your "risk" related to your style, the costs will be lowered to start with.
Next, in the case of a shunt, if you were not moving then you clearly cannot be at fault so no need to worry, it log which direction the shunt was from and how hard. If you hit someone then it will check how fast you were going etc and so on. If you hit the tree that jumped out in front then its obviously your fault.
This will remove the fake claims for accident compo, make people think about their driving style, reward safe drivers, punish bad drivers, premiums will massively drop due to no false claims.
Ok, so its got some faults but i know the technology exists, even an ipod knows what direction it moving in! But what you reckon?? If it means cheap insurance is that a bad idea. As all cars would be tracked, theft should drop too.
Obviously there would have to be no access to the data by irate wives, husbands and bosses etc.
Car insurance - open to fake claims, all drivers get punished with high prices, easy to not pay it and still drive, so on.
How about this - all cars are fitted with a device that has an accelerometer, tracker and speed monitor. It will be paid for by the insurance company of your choice. This will log info like a flight recorder does, relaying it to the insurance co. They will use this to see your driving style - aggressive, fast, hard braking, smooth & steady, so on and then adjust your premium based on your "risk" related to your style, the costs will be lowered to start with.
Next, in the case of a shunt, if you were not moving then you clearly cannot be at fault so no need to worry, it log which direction the shunt was from and how hard. If you hit someone then it will check how fast you were going etc and so on. If you hit the tree that jumped out in front then its obviously your fault.
This will remove the fake claims for accident compo, make people think about their driving style, reward safe drivers, punish bad drivers, premiums will massively drop due to no false claims.
Ok, so its got some faults but i know the technology exists, even an ipod knows what direction it moving in! But what you reckon?? If it means cheap insurance is that a bad idea. As all cars would be tracked, theft should drop too.
Obviously there would have to be no access to the data by irate wives, husbands and bosses etc.
