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MChinese learning systems have for years been helping peers on everything from Go and Jeopardy! finding a cure and diagnosing cancer. With all the advancements this sector has made, it’s not uncommon for people to be wary of the robots that will replace the workers of tomorrow. These concerns are misplaced, says Gerd Gigerenzer in his new book How to Be Smart in a Smart World, if for no other reason than the uncertainty itself. AIs are efficient machines, but only when they are given enough information to act. Realize the inherent instability of human genetics in their algorithms and watch their predictions multiply – otherwise, we wouldn’t need to shift to the left. In the segment below, Gigerenzer discusses the hidden privacy cost of sharing your car’s telematics with the insurance company.

MIT Press

Taken from How to Be Smart in a Smart World by Gerd Gigerenzer. Published by MIT Press. Copyright © 2021 by Gerd Gigerenzer. All rights reserved.

When Your Car Alerts You to the Police

If self-driving cars don’t happen, one way seems to be teaching people to use AI as a support system but to be alert and correct if it fails – which is called augmented intelligence. It is automatic, that is, to the most advanced models of Level 2 or 3. However, advanced intelligence includes more than just adding useful features to your car and may lead us to another future, where AI is used to support and analyze. us. That possible future is being driven more by insurance companies and the police than by car manufacturers. Its seeds are in telematics.

Young drivers are careless, overconfident, and have poor insurance coverage, according to the public. Some are, but most are not. However, insurers often treat them as one group and pay more. Insurance telematics can change this by offering better rates to safer drivers. The idea is to calculate the price from the actual driving behavior of the person instead of the average driver. To do this, a black box that connects to the insurance is placed in the car (using a smartphone is possible and cheap but reliable). The black box records the driver’s actions and calculates the safety. Figure 4.6 shows the scoring system of one of the first telematics insurance companies. It looks at four things and assigns them different scales.

MIT Press

Speeding up or speeding down is given a lot of weight, followed by overdriving. Each driver starts with a monthly budget of 100 points for each of the four items. An “incident” results in points being deducted, such as 20 points for the first chase or speeding. At the end of the month, the remaining points are weighted as indicated and summed up to a total security score. Although telematics is often called black box insurance, the algorithm is not a black box like many love algorithms. It is explained in detail on the insurance website, and everyone can understand and verify the results.

Personal taxes are advertised as promoting fairness. He does this by considering his own style. But they also create new sources of discrimination when they drive at night and in cities they are punished. For example, hospital workers have no choice but to avoid working at night and in cities. Therefore, some parts are under the control of the driver, but not all. Interestingly, one thing that is under the control of the driver is not found in all personal prices: texting while driving.

And the black box that allows justice also helps control. Think about possible futures. Why should the black box send the speed record to the insurance itself? Coping with the police can be very helpful and save them a lot. It can cause all the speed traps to fail. When you run, the car prints a ticket on time or, conveniently, debits the fine from your online account. Your relationship with your beloved car may change. There is a slippery slope between fairness and total scrutiny.

Would you favor a new generation of vehicles that send traffic violations directly to the police? In a survey I conducted, one-third of adults said yes, more among those over the age of sixty or less among those under the age of thirty. This futuristic technology already exists, as most new cars come with a black box installed. The data it collects does not belong to the owner of the vehicle and can be used in court against the driver. In Georgia, police obtained black box data without a warrant after a fatal crash, and the driver was convicted of reckless driving and speeding.

Although the purposes of monitoring differ, digital technology supports all of them. One does not even need to purchase telematics insurance. Today’s cars are connected to the Internet, and – without being reflected in the owner’s manual – many send their car manufacturers all the information they can take every few minutes, including where the driver is now, how many, if any, crashes occurred. the position of the driver’s seat was changed, the gas station or batteries visited, and how many CDs and DVDs were loaded. Plus, once you connect your smartphone, the car can download your personal information, including addresses, emails, text messages, and even photos. Automakers are tight-lipped about the issue, and when asked who they share this data with, they often don’t answer. That information helps discover many other interesting facts, such as how often drivers visit McDonald’s, how healthy they are, and who they visit at night. Connected cars can support justice and improve security and spy on you. Telematics insurance covers two aspects of digital technology: monitoring in exchange for benefits.

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