Do not get, I repeat, do not get the iPhone/android insurance app for your car insurance!!! Why?? The app is stupid. You want the app to capture miles put on your car, track braking, and even if your on the phone while driving. Correct??? If so, then you don’t want this and here’s why:
1) if you and your wife/spouse are in the same car, you are counting the miles you traveled by 2x! You as the driver put x miles on this trip and your wife put on x miles on this trip. Remember the app is stupid, it doesn’t know if you are the driver or not. So let’s take this further;
2) say you are in your golf cart, your app is stupid and thinks you are putting miles on your car and if your wife is with you, it’s 2x the miles. It even gets better;
3) you are riding in a friends car, your insurance app thinks you are driving and it adding mileage to your account. 2x if your spouse is with you. Gets even better;
4) while riding with your friend and he’s speeding and breaking hard, it goes against you. Remember, the app is stupid, doesn’t know if you are in a golf cart, a passenger in your car or a neighbor’s car.
5) say your spouse is with you and she is the passenger and starts talking on the phone. You get dinged because the app doesn’t know that you are a passenger, the driver, in a golf cart or in somebody else’s car.
I brought all of this up with the insurance company that wants us to use these apps and had to go thru tech support and they agreed with all of this. They did say, to solve any of these issues, they wanted m to log onto the insurance website and modify my travel record to tell them I was a passenger or in somebody’s car or both my spouse and I were traveling together and they wanted me to keep this data up to date. Life is too short and not worth the hassle.
|