Posted on behalf of Phillips Law Group on Jun 30, 2021 in Auto Accidents
Many of us are always on the lookout for ways to save money. Car insurance companies know this, which is why they are constantly offering discounts to retain customers and keep them happy.
For example, many insurance companies offer to lower your premium if you install a tracking device in your car. They track your driving and if your driving satisfies certain criteria, you may get a discount.
However, have you ever wondered what else they might be doing with that data? Could it potentially be used against you if you file a claim after a crash?
This is a complex issue that you should learn more about, whether you have already installed a tracking device or are considering it. Before you decide on allowing the insurance company to track you, you need to consider all the pros and cons.
You may be wondering how tracking data could possibly affect a car crash claim, as you typically file a claim against the at-fault driver’s insurance policy and not your own. However, what if the other driver has insurance through the same company that you have insurance through? Would they use this information against you?
The insurer may want to assign both parties a significant amount of fault to devalue both claims. That way they end up paying less compensation to both parties. Under state law, if you bear any fault for a car crash, your compensation award can be deducted based on your percentage of fault.
While there are many insurance companies, many drivers are insured through large companies. That means there is a good chance you could end up in a crash with a driver who uses the same insurance company.
While insurance company tracking devices are different, they typically track things like speed, braking, cornering and sudden traffic maneuvers. Data like this helps insurers determine if someone is a safe driver. Insurance companies may also use this data to assign fault for a crash.
If the other driver does not have insurance or lacks enough coverage to pay for your damages, you would likely need to file a claim against your own insurance. Even though you are the policyholder, you can bet the insurance company will be looking for some way to deny or devalue your claim. Data from a tracking device may help support their argument.
If data shows you took a corner too quickly or did not brake as quickly as you might have been able to, the insurance company could use this data against you.
Many major insurance companies offer tracking devices. These are some of the more well-known companies/devices that collect data on drivers:
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