Sunday, May 20, 2018
Is Root Insurance the Mark of the Beast?
A few years ago I bashed Progressive Insurance (and Flo) for promoting some kind of "safe driver" device that one could stick on their dashboard which would then record certain things concerning driving habits, which could then be used to determine how "safe" the particular drivers were and then determine how much those drivers should pay for car insurance. My main gripe was that Progressive was pitching this Spy Box as a really cool way to get a discount by letting your insurance company into your car to watch how you drive.
Well, it seems that there's this new insurance company whose entire premise is based on watching its customers every move and only selling policies to people who convince it that those drivers will never need to actually collect on those policies. It's a pretty slick idea, considering that there's only two reasons why people buy car insurance:
1. To be covered in case of an accident, and
2. Because state laws require it.
So if you want Root Insurance, you download the App, which then spies on you for a few weeks to make sure you live up to Root's extremely high standards. If you "pass," you get to buy the insurance, which I assume is discounted because most people don't pass. I'm also going to assume that if you get into an accident and file a claim, your insurance premiums are going to skyrocket or you'll be cancelled- after all, this insurance is for GOOD drivers and the whole point of this ad is to tell us that other insurance policies are awful because they cover less-than-perfect drivers (who at the moment don't need to be spied on by their own companies, though it's only a matter of time, isn't it?)
So go ahead and download the Root Insurance App and know that every move you make in your car will be judged by a company which has told you in advance that it only insures drivers who drive according to an extremely high standard and is ready to dump you overboard the first time you hit those brakes just a little too hard for it's tastes. Don't even think about changing that radio channel or talking on the phone while driving, because you can bet that's a big no-no over at Root HQ. Or you could just buy a policy from a company that doesn't insist on being a passenger on every drive. Your choice, but this is just another reason why I don't miss owning a car.