Close Menu

    Subscribe to Updates

    Get the latest creative news from FooBar about art, design and business.

    What's Hot

    Why Legal AI Software Demands Specialized Data Training

    April 24, 2025

    Caseway Joins BC’s Top 20 Startups at Startup TNT Summit

    April 9, 2025

    How Henson Trusts Shield Wealth for Disabled Clients

    March 30, 2025
    Facebook X (Twitter) Instagram
    Advocate DailyAdvocate Daily
    • Home
    • Categories
      • Business Law
      • Canada
      • Criminal Law
      • Employment law
      • Human rights
      • Laws
      • Lifestyle
      • Politics
    • About Us
    • Write for us
    • Contact Us
    X (Twitter) Instagram YouTube LinkedIn
    Advocate DailyAdvocate Daily
    Home » Usage Based Car Insurance As Refined Discrimination
    News Archive

    Usage Based Car Insurance As Refined Discrimination

    Alistair VigierBy Alistair VigierAugust 29, 2022No Comments2 Mins Read

    Usage based car insurance is marketed as fair and data-driven. In reality, it’s just a polished version of old-school discrimination. The idea sounds great—pay for how you drive instead of being lumped into generic risk pools. But once you break it down, the problems start stacking up.

    I’ve worked with insurance data models; they don’t just track mileage and braking. They analyze when and where you drive, how often you drive at night, and even the neighbourhoods you pass through.

    The insurance companies claim this is about risk assessment, but it’s about targeting specific demographics. Someone working late shifts or living in a high-crime area gets flagged as a risk, even if they have a spotless driving record.

    Usage-Based Car Insurance

    A case that stands out to me involved a rideshare driver who enrolled in UBI and was expecting lower premiums. Instead, his rates skyrocketed. The insurer flagged his frequent nighttime driving and high mileage as risky, even though he had zero accidents. Another driver—same age, exact vehicle—paid less simply because she worked a 9-to-5 job. That’s not about driving skill; that’s about profiling.

    Usage Based Car Insurance

    There’s also the issue of data ownership. These companies collect detailed driving habits but give almost no transparency in return. Most people have no idea what data is being used against them. When you get a rate hike, they won’t tell you exactly why. You have to accept it.

    It’s not just about fairness—it’s about control. The more data these companies collect, the more they dictate behaviour. Avoid driving at certain times, take specific routes, or pay the price. The appeal of “fair pricing” is just a way to sell constant surveillance.

    People need to ask themselves: Do you really want your insurance company to decide what’s acceptable driving based on algorithms you’ll never see?

    NEWS ARCHIVE
    Alistair Vigier

    Related Posts

    Canada: Asking for ID? Totally Fair Game (But There’s a Catch)

    September 14, 2022

    New Franchise Agreements Can Extend Right of Rescission

    August 29, 2022

    AI in ADR: Why Law Firms Should Pay Attention

    August 29, 2022

    Comments are closed.

    Latest Blogs

    Why Legal AI Software Demands Specialized Data Training

    April 24, 2025

    Caseway Joins BC’s Top 20 Startups at Startup TNT Summit

    April 9, 2025

    How Henson Trusts Shield Wealth for Disabled Clients

    March 30, 2025

    Don’t Support LexisNexis If You Support Canada

    March 22, 2025
    Stay In Touch
    • Twitter
    • Instagram
    • YouTube
    • LinkedIn

    Subscribe to Updates

    Get the latest creative news from SmartMag about art & design.

    About Us
    About Us

    Since 2011, Advocate Daily has been revolutionizing legal public relations in Canada with our innovative and highly personalized approach. We publish compelling legal news that informs and engages Canadians while helping lawyers and legal suppliers grow their businesses.

    X (Twitter) Instagram YouTube LinkedIn
    Our Picks

    Why Legal AI Software Demands Specialized Data Training

    April 24, 2025

    Caseway Joins BC’s Top 20 Startups at Startup TNT Summit

    April 9, 2025

    How Henson Trusts Shield Wealth for Disabled Clients

    March 30, 2025
    Most Popular

    Ontario Law Society CEO at the Center of a $1M Scandal

    February 19, 20251,706

    Can I have a gun in my car in Canada?

    January 3, 2023443

    Legal Disputes Over Data Usage in Legal Tech

    January 26, 2025383
    © 2025 Designed by imqasim. All Rights Reserved
    • Home
    • About
    • Canada
    • Business Law
    • Criminal Law

    Type above and press Enter to search. Press Esc to cancel.