FUTURE OF CAR INSURANCE

Posted: Sun Jan 06, 2008 03:12 am Post Subject:

I agree it would possibly be cost preventative. The way it would robably work is you have to qualify for the program and then opt in to the program. It'll be hard to say until the programs take off better and become more pervasive.

Posted: Sun Jan 06, 2008 03:58 am Post Subject:

Like how far in the future do you see this becoming a mandated deal, or do you think it will come as a mandate? who will decide this, the state or the companies?

Posted: Sun Jan 06, 2008 11:03 am Post Subject:

I don't think this country would allow this to be a mandate...now ins carriers could make it VERY attactive! (lower rates)

Posted: Sun Jan 06, 2008 05:30 pm Post Subject:

I believe it is to invasive to ever be considered mandatory. An incentive for lower premiums definitely but never mandatory. Unless we ever get into like the I-robot situation where everything is monitored. And then we would have a chip implanted in us so that they can monitor our health and our premiums will be determined by our cholestorol and blood pressure count on a daily basis kinda ala the Island. Oh wait thats already being developed but not tied to insurance. And theres the chip for maintaining our medical records with us.

Posted: Wed Jan 09, 2008 12:08 pm Post Subject:

I could see it being a voluntary program as you stated Lori, but I don't know that I would want it in my vehicles, I don't like to feel like big brother is watching me and that is what I think this would be like for me. I don't think I am a bad driver and My record shows that so give me the discounts there.

I would hate to imagine a device that they could download your information and potentially raise your rates, like you were speeding on this day, this day and this day, but you were not caught, however the potential of an accident was still there. I just think it leans toward the invasion of privacy on a good driver.

I could see it being used to lower the rates on a bad driver, an incentive maybe, but completely volunteer, can not see this being mandate, just my thoughts.

Posted: Wed Jan 09, 2008 12:29 pm Post Subject:

Agreed...man though are my kids ever lucky this wasn't available when they were driving and living at home...I'd have had that puppy in a new york minute on my kids cars!!!

Posted: Thu Jan 10, 2008 06:39 am Post Subject:

I know if I have custody of my kids when they turn 16 I am getting it. Of course I may not let them drive till they are 21, my son scares me the way he drives on the video games.

Posted: Sun Jan 13, 2008 12:48 am Post Subject:

LOL, avengerki, do you think he will really drive like that on the road, I hope not. He is probably trying to win the video game and has to drive fast. Hopefully, they don't carry these games over to the roadway, he won't have the license long if he does. I wish you luck with this, LOL. I am sure he will be fine, you are the boss, you decide when and if he gets a license.

Posted: Sun Jan 13, 2008 01:19 pm Post Subject:

I know that video games have been a big source of trouble for everyone because kids are getting to be obese sitting around playing them or watching television instead of doing more outside activities. I think it depends on the game there are so many these days that make you get up off your rear end and move. There are the dance and sports games now that you actually go through the motions of playing the games.

As far as driving, I would think the game would increase eye/hand cooridination. Don't know about the speed though, I would think that if you spend the time in the passengers seat and tell the teen that they are in your car and on your insurance and that you can pull that at any time, along with constant monitoring of how the kid drives, you can have some control over it. You can play police officer in your own home, it is your car, your insurance. Always, always be serious about how their driving affects others out there, they have the potential to cause life altering injuries to themselves and to others.

I have a young child, I would hope that the relationship that we are building now will have some impact on the relationship that we have later in life. I try to instill the importance of being responsible now, it all starts young, you can not just push a button later in life and expect a child to respond, they depend on you for guidance and the rest of society depends on you to do a good job with your child, after all everyone has to deal with what I send out the door at 16 years old. I just hope what I do know affects people in a good way later and helps her make good decisions.

Posted: Mon Jan 14, 2008 09:55 am Post Subject:

You can play police officer in your own home, it is your car, your insurance

it all starts young, you can not just push a button later in life and expect a child to respond

I just hope what I do know affects people in a good way later and helps her make good decisions.