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What are the Legal Risks of Using Car Insurance Tracking Devices?

New technology constantly alters how we approach car accidents, and tracking devices represent a clear example of how the legal world continues to evolve. An increasing number of drivers are choosing to install car insurance tracking devices, and these individuals assume that the technology offers several benefits with no potential downsides. However, this is not exactly true – and there are several legal risks associated with using tracking devices on your vehicle.

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What is a Car Insurance Tracking Device?

A car insurance tracking device measures a range of factors associated with your driving patterns. It records this data, making information available upon request to insurance companies and other relevant parties. These tracking devices may serve several purposes. First of all, they have the potential to lower your premiums if the data suggests that you are operating your vehicle in a safe, responsible manner. Secondly, the devices can potentially provide evidence in the event of an injury claim or a personal injury lawsuit.

Car insurance tracking devices are tools used in Usage-Based Car Insurance – also known simply as “UBI.” Another common phrase is “black box car insurance.” This strategy has the potential to lower rates for average drivers while helping insurers mitigate risk. Insurance companies love data, as it is only with access to information that they can accurately assess risk. If they cannot accurately assess risk using the most up-to-date data, it may become very challenging to turn a profit and avoid losses.

These tracking devices may calculate a range of data based on telematics technology. They also work in tandem with apps that drivers install on their smartphones. Depending on the type of device, it might collect data based on total distance traveled, acceleration rates, sudden braking, and top speeds. This data can theoretically illustrate how safe or dangerous a driver is on the road.

A Tracking Device is a Double-Edged Sword

On one hand, a tracking device definitely has the potential to help drivers lower their rates. If you are confident in your ability to drive safely or travel low distances each month, it may be worth installing a tracking device. Supply this data to your insurer, and you might save a solid chunk of change each month on your insurance premiums. Many of the nation’s largest insurance companies now offer these types of programs to their customers.

This information might also be useful in the event of a car accident. The tracking device could help you establish that you were not at fault for the accident. For example, it could show that you were traveling below the speed limit. It might also show that you braked quickly, helping to establish that you were not distracted moments before the crash. In this way, a tracking device might play a similar role compared to dashcam footage during a personal injury trial or settlement negotiations.

On the other hand, tracking devices can provide negative information that paints you in a bad light. The data could show that you have been routinely breaking the speed limit, braking suddenly, and accelerating in a reckless manner. Drivers should be very careful about how their data is collected and how it is provided to the insurance company. Often, a seemingly friendly app comes with fine print. The terms and conditions might stipulate that all of the data collected by the black box will be provided to your insurer – even the data that increases your premiums.

In the event of a car crash, this information could be used against you.  It might show that you have slammed on the brakes far too late to avoid an accident. It might show that you traveled a long distance after striking a pedestrian – possibly leading to hit-and-run charges. Whatever the case may be, it is important to consider the pros and cons of using these devices before installing them on your vehicle. Generally speaking, you should only use tracking devices if you are extremely confident about your own driving abilities.

Get Advice From a Qualified Attorney Today

Whether you are considering whether or not to use car insurance tracking devices or you’re in the middle of a complicated injury claim, a qualified attorney can offer targeted advice based on your specific situation. Reach out to the Personal Injury Legal Group today to discuss the pros and cons of insurance tracking devices alongside an experienced injury lawyer. With our assistance, you can make the most appropriate choice and push back against insurance companies that are refusing to provide compensation. Schedule a consultation today.

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If you were partially at fault for the injury, it may still be possible to recover compensation for your damages. California follows a comparative fault system, which means that your compensation award may be reduced by the percentage of fault assigned to you.

In California, there is no specific time limit for seeking medical treatment. It is important to seek medical treatment as soon as possible after an accident, even if you do not feel any pain or discomfort right away. Delaying medical treatment can not only harm your health, but it can also weaken your personal injury claim.

Even if your accident was minor, it is still a good idea to consult with a Los Angeles personal injury lawyer. A lawyer can advise you on your legal rights and options, and help you determine if you are entitled to compensation for your injuries, even in cases that appear minor at first glance.

If you forgot to file a police report after your accident in California, it may still be possible to pursue a personal injury claim. However, it can be more difficult to prove your case without a police report, and the lack of a report could be used against you by the insurance company or the other party. It is always best to file a police report as soon as possible after an accident to protect your legal rights.

After an accident, it is important to collect as much evidence as possible to support your claim. This can include taking photos of the scene of the accident and any damage to vehicles or property, getting contact information for any witnesses, and seeking medical attention for any injuries you sustained. It is also important to keep track of any expenses related to the accident, such as medical bills and lost wages.

Yes, you can still receive compensation for your injuries even if you have a pre-existing condition. However, the compensation amount may be affected by the pre-existing condition, and it can depend on various factors such as the severity of the pre-existing condition and how it relates to the current injury.

It is recommended that you consult with an attorney before accepting a settlement offer from your insurance company. An attorney can review the offer and advise you on whether it is fair and reasonable based on your specific situation.

Your Los Angeles attorney may need various information and documents from you, such as medical records, police reports, witness statements, and any other evidence related to your case. It is important to provide your attorney with all the information and documentation they need to build a strong case on your behalf.

The time it takes to receive compensation for your injuries in California can vary depending on various factors such as the complexity of your case, the amount of compensation sought, and whether the case goes to trial or is settled outside of court. Generally, it can take several months or even years to receive compensation in a personal injury case.