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Insurance Company Telematics/ODBII sensors

Old 09-22-19, 10:59 PM
  #26  
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Originally Posted by CliffordK View Post
I wonder how many of the advanced telematics systems would be capable of detecting drunk drivers.

Perhaps monitor stops by GPS at bars and liquor stores.

Then pick up differences in driving habits as the person leaves the bars. Problems keeping it between the lines. Changes in speed (faster, or often slower), etc.
I doubt there is enough computing power to process that sort of algorithm in the devices, and the granularity of the data stream sent, may not be fine enough to determine that, either. The rough position and speed are all that are needed for insurance requirments, along with hard braking data... from the ODB buss.

However... perhaps pattern changes would be adequate... certainly different driving habits can be determined by the insurance companies. But how to tie it to a specific person?
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Old 09-23-19, 12:19 AM
  #27  
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We'll have self driving cars soon, and this will all be moot.
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Old 09-23-19, 06:03 AM
  #28  
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Originally Posted by Seattle Forrest View Post
We'll have self driving cars soon, and this will all be moot.
Really? Did your crystal ball tell you how soon? Or did you get the scoop from Mr. Musk or one of his acolytes?
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Old 09-23-19, 11:17 AM
  #29  
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Originally Posted by genec View Post
Several world cities are now using congestion fees and core pedestrian only malls as a solution to the "one person per car" debacle. The whole idea that it takes a 4000 lb machine to deliver a 200 lb person to a destination not more than 15-20 miles away is ludicrous. The average commute is less than 15 miles. Yet, so much energy, and space is wasted, so individuals can arrive in their personal luxury couch. (yes, couch, not coach, although coach does apply too)
A road sofa is the motorcycling term for either a saddle comfortable to long distance riding or a touring bike.
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Old 09-23-19, 12:08 PM
  #30  
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Originally Posted by I-Like-To-Bike View Post
Really? Did your crystal ball tell you how soon? Or did you get the scoop from Mr. Musk or one of his acolytes?
I honestly hope you remain on this mortal coil long enough to eat those words.

Have a nice day sir.
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Old 09-23-19, 02:30 PM
  #31  
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"Jaywalking" was invented by automobile manufacturers and oil conglomerates to demonize pedestrians and change the paradigm toward driver convenience rather than public safety.

Walk around enough and it soon becomes apparent why people "jaywalk" -- because designated pedestrian crossings are kill zones. Between right on red and left on flashing yellow, the go-signal for pedestrians becomes a cruel joke intended to entrap walkers. Give people an inch and they'll take a mile. Most drivers assume right on red and left on flashing yellow means they have absolute right of way and pedestrians need to get the hell out of their way. That's how I was struck and injured last year. And I've lost track of the number of near misses I've experienced at designated intersections and crosswalks.

Or urban planners and highway designers cut off less affluent communities from traditional walking routes. Besides condemning some neighborhoods to poverty, they also force pedestrians to take risky routes.

In our traditionally black communities, formed after the Civil War as freedmen's communities, urban planners disregarded the needs of those communities and cut them in to islands surrounded by highways without reasonable safe access to grocery stores, etc., for pedestrians. In some areas residents have a choice of walking a mile to the nearest designated crosswalk or pedestrian overpass, or taking a chance on darting across the highway.

Among the worst offenders aren't superhighways like interstates, but those ridiculous boulevards designed by urban planners who seemed infatuated with some romanticized notion of European capitols, with wide boulevards projecting outward from historic buildings.

In reality, boulevards are often death traps. They cut through residential and business areas, with six lanes -- three per side -- with no medians, no dividers, no crosswalks, no way to safely walk along or across the boulevards. The appropriate speed might be 35-40 mph, but drivers routinely zip along up to 70 mph or more, with little or no hindrance from cops because the drivers live and work in the "right" places. To heck with the folks who actually live and work where those boulevards cut their communities into death traps.

Long story short, AI and metrics to change driver behavior may be the most cost effective solution. It's too expensive to change crappy infrastructure. Heck, we barely maintain our existing infrastructure. So the next best solution is to monitor all motor vehicles to encourage safer driver through insurance incentives, and to enforce safer driving by deducting points toward suspension or complete loss of license to drive.
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Old 09-23-19, 02:44 PM
  #32  
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Thinking about this, my insurance agency hasn't offered or suggested the devices. Although I did have a lapse in insurance from 2015 to 2019, so l might just have missed it.

I don't think I'd accept a cell phone coupled device. I don't want my driving to be judged by my cycling, or perhaps using driving algorithms on bicycles. Nor would it be appropriate to measure my driving based on riding with others.

I'm not sure about the ODBII sensors, or whether any of my cars are smart enough for the interface.

I'm also not convinced that the insurance company rate algorithms are in fact accurate.

Should I install seatbelts in my "new car"?
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Old 09-23-19, 03:49 PM
  #33  
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Originally Posted by CliffordK View Post
I'm not sure about the ODBII sensors, or whether any of my cars are smart enough for the interface.
If your car was manufactured in or imported into the U.S. since 1996, it should be equipped with this standard interface.
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Old 09-23-19, 03:55 PM
  #34  
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Originally Posted by genec View Post
I honestly hope you remain on this mortal coil long enough to eat those words.

Have a nice day sir.
Given that I am 72, I may see Type 5 fully self driving cars be marketed to the public before I turn 100.

Self driving cars making moot the problem of collisions, not a chance and probably in my grandchildren's lifetime either, unless privately owned wheeled vehicles self driving or not, are eliminated from the road for whatever reason.
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Old 09-23-19, 04:11 PM
  #35  
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Originally Posted by I-Like-To-Bike View Post
If your car was manufactured in or imported into the U.S. since 1996, it should be equipped with this standard interface.
I now have one vehicle newer than 1996. So, yes, it should have the interface. But, it is possible that new sensors and software have been added over the years, so the earliest models may not play well with the insurance company interfaces, or give them the information that they desire.

I have no doubt that things like fuel efficiency varies based on external factors more than simple driving.
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Old 09-23-19, 05:49 PM
  #36  
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Originally Posted by CliffordK View Post
I wonder how much just telling a person that "Big Brother is Watching" will affect their driving behavior.
That's my hope, I'd like to get an OBDII monitor in the car my teenager will start driving alone in a few months, and let him know that the insurance company is watching. I drive like a grandpa, so I'd be ok with it too, but my wife doesn't want one for when she drives, so it's not gonna happen.
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Old 09-23-19, 05:52 PM
  #37  
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Originally Posted by RubeRad View Post
That's my hope, I'd like to get an OBDII monitor in the car my teenager will start driving alone in a few months, and let him know that the insurance company is watching. I drive like a grandpa, so I'd be ok with it too, but my wife doesn't want one for when she drives, so it's not gonna happen.
It may be that it would be cheaper to get your kid a cheap car and take him or her off of the family insurance, especially if you can get away with liability-only on the kid's insurance (do you have Comprehensive on yours?)

There is always the "Placebo Effect".
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Old 09-23-19, 05:55 PM
  #38  
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Ha, Placebo effect I might just try that.

When the oldest went through the house, our car insurance was surprisingly not exorbitant, so I'll see what it looks like
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Old 09-23-19, 06:07 PM
  #39  
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Originally Posted by I-Like-To-Bike View Post
Given that I am 72, I may see Type 5 fully self driving cars be marketed to the public before I turn 100.

Self driving cars making moot the problem of collisions, not a chance and probably in my grandchildren's lifetime either, unless privately owned wheeled vehicles self driving or not, are eliminated from the road for whatever reason.
Who knows... in the name of safety, seatbelts were mandated; airbags were mandated, and programs like "Cash for Clunkers" did take certain vehicles off the roads. The rate of change is notorious for increasing at a geometric rate... I hope you live to be at least 110.

Take care.
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Old 09-23-19, 07:48 PM
  #40  
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Originally Posted by genec View Post
Who knows... in the name of safety, seatbelts were mandated; airbags were mandated, and programs like "Cash for Clunkers" did take certain vehicles off the roads. The rate of change is notorious for increasing at a geometric rate... I hope you live to be at least 110.

Take care.
Innovation is bad. It never works. /s

I almost got doored - yet most drivers blame me. How do we improve car culture?
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Old 09-23-19, 08:02 PM
  #41  
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Originally Posted by njkayaker View Post
Yet, there has been technology available for decades that could help prevent or reduce dooring.





There are a couple of things that would reduce dooring including limiting the speed that doors will open, and with better sensors, one could essentially lock, or otherwise prevent opening of doors when traffic is approaching from behind and at impact risk (cars or bicycles).

And, of course, new bike lane designs with door buffer zones, or away from parking.
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Old 09-23-19, 08:17 PM
  #42  
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Originally Posted by CliffordK View Post
Yet, there has been technology available for decades that could help prevent or reduce dooring.
You didn't look at the thread I linked to.

Hopefully, you know what "/s" means.
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Old 09-23-19, 08:42 PM
  #43  
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Originally Posted by genec View Post
Who knows...
Certainly nobody who proclaims that self driving cars are imminent because some cars have glorified cruise control devices and a few warning lights and bells, knows much at all about when real self driving cars will be ready to be sold and used without human oversight and without extensive limitations and restrictions on which public streets and highways they can be used.

Certainly nobody who makes pronouncements about a future spotless safety record of self driving cars based on PR flack and promoters/speculators' promises, knows much at all on the subject
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Old 09-23-19, 09:48 PM
  #44  
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Originally Posted by I-Like-To-Bike View Post
Really? Did your crystal ball tell you how soon? Or did you get the scoop from Mr. Musk or one of his acolytes?
You weren't hugged enough as a child, were you?
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Old 09-24-19, 09:08 AM
  #45  
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I heard in Europe they train new drivers to open their left/driver-side door with their right hand, which automatically rotates their torso and increases backwards visibility and awareness of cyclists
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Old 09-24-19, 09:19 AM
  #46  
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Originally Posted by RubeRad View Post
I heard in Europe they train new drivers to open their left/driver-side door with their right hand, which automatically rotates their torso and increases backwards visibility and awareness of cyclists
Some call it the "Dutch Reach". There are people in the US advocating it.

https://www.dutchreach.org/

Just to be clear: there's no reason multiple approaches can't be used.
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Old 09-24-19, 09:34 AM
  #47  
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Absotutely
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Old 09-24-19, 03:11 PM
  #48  
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Originally Posted by Seattle Forrest View Post
You weren't hugged enough as a child, were you?
Perhaps, but my mother didn't raise a fool who posts hyped-up baloney and defends it with snark.
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Old 09-24-19, 05:52 PM
  #49  
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Originally Posted by I-Like-To-Bike View Post
Perhaps, but my mother didn't raise a fool who posts hyped-up baloney and defends it with snark.
that you know of
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Old 09-24-19, 06:01 PM
  #50  
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I realize the temptation for discussions to wander a bit, but can we please try to keep the discussion on trackers, sensors, technology, insurance, & related?

Hmmm...

Thinking of phones, do the tracking systems also track the use of phones in motion?

Thinking of phones, my new phone seems to have an unnerving ability to display the time whenever I'm looking at it (and I think blank the screen when not being looked at).
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