The auto insurance business model has not changed in decades, despite great technical advancements that could make auto insurance much fairer and less costly for customers.  This forum is intended for customers to vent  and provide suggestions and feedback for a policy designed from the ground up for you, the customer.

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How insurance companies can help teens


Norman Neher
(@ntneher)
Member Admin
Joined: 2 years ago
Posts: 4
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The worst thing that can happen a parent is to suffer the death of a child. All of us hope that our children will greatly outlive us. Yet, there’s only so much we can do to keep them in one piece. Monitoring their driving is a big one.

The telematics devices available today could be made programmable so as to monitor items like acceleration and deceleration in all three axes: up/down, backwards/forwards, left/right – store GPS coordinates at whatever time interval the parents decide is appropriate, and, of course, could be programmed to record miles driven.

This information could be stored locally within the device attached to the car, transmitted through cell towers to cell phones or home computers, or any combination of these. The information could be for parents only, insurance companies, or both.
Monitoring a child’s driving habits will likely have a significant effect on their behavior behind the wheel, not to mention accident diagnostics were this ever to happen.

The telematics device is not an all-encompassing fix for careless driving behavior, but it’s a good start.


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