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Rising premiums for business vehicle fleets—anyone else notice this?

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pharris41
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(@pharris41)
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Yeah, I’ve noticed the same thing with the tracking. I drive a company SUV and those “events” pop up for the smallest things—like you said, sometimes it’s just reacting to traffic or avoiding someone who cut me off. I’ll leave a note in the system but honestly, it feels like shouting into the void. Never seen any sign that anyone reads them or takes context into account.

What gets me is how these systems don’t really distinguish between defensive driving and actual risky behavior. Merging onto a busy highway with a full load? Of course you need to accelerate hard. It’s not like we’re drag racing out here.

Premiums have definitely crept up for our fleet too, and I wouldn’t be surprised if all these “flags” are part of it. The tech is supposed to make things safer, but half the time it just feels like another way to justify higher costs... with zero human judgment involved.


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caroleditor
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I get what you’re saying about the tracking tech—my brother-in-law manages a small delivery fleet, and he’s always griping about the “hard braking” and “rapid acceleration” notifications. Half the time, it’s just normal city driving, not reckless stuff. It’s frustrating because, yeah, those flags can impact premiums, but they don’t always reflect real-world conditions. I think the idea behind the tech is good, but it really misses context. I wish insurance companies would factor in more human judgment or at least review borderline cases before hiking up the costs.


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golfplayer46
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Yeah, I’ve noticed the same thing with my own car insurance app—keeps pinging me for “harsh braking” when a squirrel darts out or some guy cuts me off. How are you supposed to avoid that in city traffic? Makes me wonder if these algorithms have ever actually driven during rush hour... Do they really expect us to drive like robots just to keep premiums down? Sometimes I think the tech is more about saving money for the companies than making anyone safer.


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elizabethrogue161
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Yeah, the app in my car does the same thing—flags every sudden stop, even when it’s just reacting to normal stuff like a bike cutting across or someone slamming their brakes up ahead. I get that they want to encourage safer driving, but it feels like the system doesn’t really account for real-life situations. Honestly, sometimes it’s impossible not to brake hard if you want to avoid an accident. Maybe the tech just isn’t nuanced enough yet? It’s kind of frustrating when you’re trying to be careful and still get penalized.


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Posts: 18
(@carols74)
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It’s a tough balance, right? The tech is meant to reduce risk, but it can’t always tell the difference between reckless driving and just reacting to chaos on the road. Have you noticed if your insurance rates actually changed because of those flagged stops, or is it more just the annoyance factor?


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