What if I sit at Tony's Tavern for three hours, drink ice water, hit a tree on the way home and don't call the insurance until the next day? Is the insurance company going to attempt to deny my claim saying I was drinking and driving? Will they up my premium when my car tells them that I am swerving over onto the berm too often? That the car has to tell me when to brake? By the way, I had my son-in-law turn off most of that stuff when I got my car as all that beeping and buzzing isn't necessary - I know how to drive without the car assisting me. --72.70.xxx.xx

Over reach. --172.56.xx.xxx

I've heard of this before. Is this Progressive? --72.188.xxx.xxx

--174.225.xxx.x

Our insurance company give us a discount on any of our vehicles that are driven less than a certain number of miles per year. For one of our cars I believe it's 10% due to driving less than 5K per year & one of the other ones is 5% for driving less than 10K. As far as I know you just send them the odometer reading at the end of each year & they just take your word on the number of miles driven each year. --71.184.xxx.xx

Don't forget you need to have everything insured in one place to get umbrella insurance including your car. --174.206.x.xxx

I agree with you,i am not agreeing to have anyone monitor anything i do.Tell the agent maybe you are the only client he has who thinks for themselves --72.231.xxx.xxx

+It's intrusive the way you explain it. I thought I might like that because I don't drive far but I would sure hate to be incriminated in something because I drove past a location where there was a problem. Too Big Brother-ish. 1984 again. Now that guy was psychic! --108.24.xx.xx

I agree that I am not going to let them monitor my driving. I've never had an at fault accident in 46 years of driving. What is even more interesting is that my cars are so old that I don't know that they could monitor it via the car and I don't own a smart phone either. So much for an old IT guy! --138.43.xxx.xx

It's a back door way to force compliance. They can't force you to do something (yet), but they can make your life miserable if you do not obey and comply. --24.180.xx.xx

If you have a claim they can get it all downloaded anyway and this is what the court uses, max speed of motor? max speed at the wheels? impact at the front bumper sensor? --76.188.xxx.xxx

Until all insurance companies mandate such a device, I'll never allow it on my vehicle. Insurance companies look for ways to raise your rates or pay less or not pay on a claim. There's no way I'd let them have access to this type of info. Plus there's no way they know the context of each action that triggered an alert. --108.69.xxx.xxx

He thought about that for a minute and said no one had ever asked that before and he had no idea. --73.25.xx.xxx

--47.155.xx.xxx

I had an insurance company ask me if I had any Section 8 tenants. They charge more for property insurance if you have Sec.8 because according to them,...Section 8 tenants are a higher risk. --68.63.xxx.xxx

I drive around 2500 miles a YEAR in my van. I don't need an app or a device plugged into my car to track me and track how I'm driving. NO THANK YOU! --67.43.xxx.xxx

Your always being tracked, and cannot opt out when you download most smartphone apps anymore. Unless you leave your phone home when you leave, your locations are constantly picked up by applications using location service. At a minimum your location is known base on cell tower triangulation. You can’t “hide” or avoid tracking unless you leave your (tracker) smartphones at home and powered off. There are both pros and cons of this, but it’s reality! If you take a photo, it has location data, make a text it bounces off cell towers. Do anything online...breadcrumbs are Everywhere you went with time and date. My insurance company had me take home pics and they verified they were located at my address and cross-referenced county records including exterior pics, USAA I was impressed, I’m in cyber security. --71.211.xxx.xx

The best way to fight this is universal noncompliance. If everyone refuses it, I suspect it will quietly go away. --104.230.xxx.xx

Here some insurance companies ask a device to be installed in vehicle where distance along braking, speed is monitored. They provide a modest discount where if live 80 kilometres out of the city there is very little public transit where the only option is to drive or spend a day going back and forth to the city. If the house has wood stove they walk away. So in the end I would consider a regular insurance company. I generally stay within the speed limit where sometimes if posted speed limit is 80 kilometres per hour the vehicle behind is right behind where if had to hit the brakes would be rear ended for sure. Police do not stop for 10 kilometres over the limit. Some major highways the speed limit is 110 kilometres per hour where some people are driving faster. At that speed the fuel consumption goes up 20 per cent. Find in major urban areas there are some very aggressive drivers where had to hit the brakes to avoid a collusion. Here vehicle insurance goes by postal code where some areas insurance is expensive as there are many claims. --99.236.xxx.xxx

Heed WMH's advice - Umbrella insurance is only for the coverages that you have with the same company - we realized that a year ago, and moved our truck back to our main insurer. --96.245.xx.xx

Had a friend who did this in NJ. Their commute was on a heavily congested highway with frequent traffic jams. So they would start and stop, start and stop. Their rates went up because, as Robin said, they were tagged as being careless. --174.198.xx.xxx

--72.70.xxx.xx

Sounds like the ACA --73.120.xx.xxx