Auto insurance is very important these days
There are a number of companies who are operating as insurance companies. These companies have access to information and data regarding actual and potential customers that these customers are typically unaware of. People are unaware of the amount of data their vehicles collect and give to insurance companies.
These means their driving is monitored and their destinations and driving habits and patterns are open to scrutiny of others. Is your auto insurance company violating your privacy rights? To some people the answer to this question is yes. It does when it draws and uses information about which the customer is unaware.
How They Collect Your Personal Information
There are many ways through which auto insurance companies can draw personal information. Installation of equipments such as the electronic data recorders also known as EDRs or black boxes in layman language add to the safety of the car. They give important information with regard to crashes. For example, the car’s speed, brakes, acceleration and status of air bags.
They also indicate how severe the accident had been and also if the passengers had worn their seat belts or not. As per some people they prove to be much more accurate than eye witnesses. But some people maintain that data provided by black box should not be trusted blindly. This is because it can have errors that cannot be verified.
On board computers and infotainment systems function to provide GPS navigation and give two way communications to drivers. However this information can be used by automakers and auto insurance companies which some people consider as invasion of privacy.
Use of transponders and other related devices is also very common today. They allow users to travel on the highways and toll roads without the need to stop and pay for the tolls. But such devices are at times used for purposes other than its main objective.
Insurance companies use such devices to get data with regard to hard-braking incidents and times at which trips are taken. They use such data to arrive at premiums.
Violating and privacy rights
Is your auto insurance company violating your privacy rights even when it takes your permission to record the call for quality purpose? Sadly, yes it does. Taking the permission is just to abide by the law so that the company is not accountable by any means. But in reality the company frames and sugarcoats questions in a way that they draw information more than just what is essentially required.
You may not even realize that the information that you give at this point in time can be used against you at some time later by the company when you make claim.
The insurance companies use and manipulate data to increase your premium rates. There are certain types of tickets that push up premium rate while some have no impact. They track down your record and increase premiums without explaining or even notifying it to the clients.
This invasion of privacy rights has caused law enforcement bodies to come upon with rules that safeguard privacy rights of the consumers. If proven, the insurance company can be held accountable for invasion of privacy. But, auto insurance quotes Texas have created this Privacy Promise as a means to inform you of our privacy practices. This Privacy Promise outlines our responsibilities and your rights.