Totally agree, I've wondered about that too. I mean, braking hard to avoid an accident should count in our favor, right? Makes me curious if insurers ever actually review these flagged events manually or if it's purely algorithm-driven. Also, the vague "as long as necessary" line is pretty standard—I've seen similar wording in privacy policies before. Maybe clearer guidelines on how long they keep this stuff would help ease some anxiety about data use and accuracy...
That's a good point about braking events—makes me wonder if insurers differentiate between defensive driving and actual risky behavior. I've seen cases where clients had flagged incidents reviewed manually, but it seems pretty rare. Maybe it's more common with smaller insurers? Also curious if anyone's ever successfully disputed one of these algorithm-based flags...would be interesting to hear how that went down.
- Honestly, I doubt insurers spend much time distinguishing defensive braking from reckless moves—probably just lump it all together as "hard braking events."
- Had a friend flagged for "aggressive driving" after braking hard to avoid hitting a chicken crossing the road (only in Hawaii, right?)...he tried disputing it, but the insurer basically shrugged it off.
- Makes me wonder, though—has anyone here ever had luck getting these algorithm flags overturned, or are we all just stuck explaining ourselves to robots forever?
"Had a friend flagged for 'aggressive driving' after braking hard to avoid hitting a chicken crossing the road (only in Hawaii, right?)..."
Yeah, insurers definitely don't seem to care much about context—it's all just data points to them. I've heard of people successfully disputing speeding tickets with dashcam footage, but never these insurance algorithm flags. Makes me wonder if having a dashcam could help in these situations too...has anyone tried submitting dashcam evidence to their insurer after one of these "hard braking" incidents? Curious if they'd even consider it.
Honestly, I'm skeptical insurers would even bother looking at dashcam footage for something like braking hard. Seems like they're more interested in quick algorithmic decisions than spending time reviewing videos. But who knows...maybe if enough people started submitting dashcam clips, they'd have to reconsider their approach? Has anyone here actually had luck disputing these automated flags with real evidence, or is it just wishful thinking?
