If I had to guess, this "feature" will be killed soon after public backlash. Likely it was thought up in the depths of product management and will get yanked once the rubber hits the road and they realize people are not going to put up with it.
(if cars are dangerous, which they of course are, the way to fix it is to build walkable cities, not to charge higher rates for the graveyard shift workers who have no say in the matter)
* https://www.motor1.com/products-services/auto-insurance/auto...
* https://www.caranddriver.com/car-insurance/a36421647/self-in...
The minimum legal requirements in the US are not that high either:
* https://en.wikipedia.org/wiki/Vehicle_insurance_in_the_Unite...
Legally speaking, insurance, registration, and licensing is only required of drivers/transport engaging in commercial activity (taxi, cargo, etc).
This is not commonly known but there are court precedents that establish driving in a non-commercial capacity on publicly owned roadways is a constitutionally protected right under common law that cannot be infringed by state and local laws.
I've seen videos of non-sovereign citizens that follow this legal theory being vindicated and in some cases being awarded damages by courts for rights violations.
I don't believe its validity has sufficiently been proven false to make such a claim.
In all states, driving is a privilege and not a right. In all states as well as anywhere in the United States you are required by law to pay taxes.
In nearly all states, you are required to carry insurance for any vehicle you drive, even if for non-commercial activity.
Rather than argue otherwise, look up your state and look up driving laws. HINT: Laws are all spelled out in English for every state in the United States.
>Rather than argue otherwise, look up your state and look up driving laws.
This right to drive was discussed in more detail here [0] and a pretty exhaustive list of US court decisions is available here [1]
[0] https://news.ycombinator.com/item?id=34869398
[1] https://wearechange.org/u-s-supreme-court-says-no-license-ne...
https://www.canlii.org/en/on/oncj/doc/2010/2010oncj740/2010o...
The judge quite thoroughly refuted every odd loop hole the defendant tried to claim existed.
My reply only concerned US law since the tweet was posted by an American.
Also with insurance it doesn’t really matter if people hate a rating factor, if a company starts using one that turns out to be predictive than all other companies will eventually forced to or suffer adverse selection.
Realistically the only way to prevent companies from using unfair rating factors is to regulate it due to adverse selection.
Also, with the next wave of telematics that uses the onboard car sensors rather than dongles or phones, the false positives will get worse. I rarely get a legit lane departure warning because I use my signal and don’t drift, but I get plenty of false ones in construction zones or the mountains. Like on 80 through Tahoe there is a lot of extra lines prominent enough to trigger my car’s lane thing even when it’s not snow lanes.