Originally Posted by Leo99
No. It's already started happening today. Don't mess with my discount! In a another few years insurance companies will push hard that you need the monitoring device in your car or else no insurance for you. Then they will start adding surcharges you for speeding or other unsafe activities. The government will be the only way to stop this. Eventually insurance rates for human driven miles will skyrocket. It won't be illegal to human drive a car but the exorbitant insurance rates will curtail it. Young folks today don't care about owning cars all that much. Their kids will care even less.
How ironic that government is the only way to stop this when the biggest problem in insurance industry is fraud and lawsuit of empty claims. People not able to tell who is at fault because they can find a lawyer to sue for 200k, that's what makes today's insurance cost so high. Your safe driving record is subsidizing my dangerous reckless driving, and me rallying everyone to ban monitoring device to encourage reckless driving, so every good and bad drivers pay the same, so there's no point being a good driver.
Young people don't care about owning car because it doesn't make sense, buying a $50k SUV that they only go to grocery store with once a week, with nobody to show off to, and then have to get stuck in traffic driving 35mph or pay $300 a month on toll, and then have to pay $200 a month on parking, then $1500 a year to subsidize bad drivers rallying to ban monitoring device and then subsidizing the lawyers who sue everyone they can after an accident. If I live in a downtown metro job hub I'd rather not own too many cars either.
If you think insurance company mandating monitoring device being bad, you are just not used to it. Insurance company already use your car type, your age, your zip code, your prior accident history, your gender, your education level, who else is in your household, etc to decide how much you have to pay. Using an OBDII device seems to be more fair than all the above IMO. We have this OBDII device discussion for almost 5 years already, and so far seems like only MetroMile is doing it, and so far it seems like they are not any cheaper, and so far it seems like they have only people with bad driving records who would have otherwise not gotten any insurance is on it. This is like the breath analyzer key unlock device for former drunk driver and remote disable device for bad credit borrower. If you want to complain about big brother telling you what not to do, protest your local speed traps and red light cameras.