You're onto something there. Algorithms are great for catching obvious patterns, but they're not foolproof—I've had my insurance flag me once for braking hard, even though it was to avoid a deer. A human reviewer would've understood the context better... Combining both seems safer overall.
That's a good point about context—algorithms can't always grasp nuance. But even human reviewers might have biases or miss details, right? I'm shopping around for my first insurance policy now, and honestly, the idea of being unfairly labeled as risky worries me. Makes me wonder, if you're flagged once, how long does that label stick around? Does it reset after a certain period, or are you stuck paying higher premiums indefinitely...?
"Makes me wonder, if you're flagged once, how long does that label stick around?"
That's exactly what I've been worried about too. A couple years back, my cousin got into a minor fender-bender—nothing serious, just a parking lot scrape. But his premiums shot up immediately afterward. He figured they'd come back down after a year or so of safe driving, but nope...it took almost three years before he saw any relief. Even then, he still pays slightly more than before the accident.
I get that insurance companies need some way to gauge risk, but it feels like once you're labeled risky—even for something minor—it's tough shaking that off. It's honestly frustrating because circumstances change; people grow and learn from mistakes. Algorithms or human reviewers, seems like once you're marked, it sticks around longer than you'd think is fair. Maybe insurers should reconsider how they reassess drivers over time instead of keeping them boxed in indefinitely.
I get your point, but honestly, insurers aren't always that rigid. My sister had a similar scrape, and after shopping around and switching companies, she actually ended up paying less than before. Sometimes it's worth checking out other options instead of waiting it out...
"Sometimes it's worth checking out other options instead of waiting it out..."
True, shopping around can help sometimes. But from experience, insurers do keep track. I had a friend who switched after an accident and got a better rate initially—but when renewal time came, the premium jumped noticeably. Just something to keep in mind...
