INSURERS OFFER DISCOUNTS TO TRACK YOU
Are You Willing to Trade Privacy for a Lower Premium?
Would you let an insurance company track your driving? In 2019, the New York Times reported on the “safest driver in Los Angeles”: Deborra Sarei, an LA resident who participated in an experiment sponsored by USAA and the City of Los Angeles to promote safer driving. The question is this: How do you determine one person is the safest? The answer is by using a smartphone app. Sarei let an app track her daily driving habits, including speed, braking, acceleration, and cornering. It could even track distractions tied to the phone, such as texting and making or taking phone calls. Essentially, if Sarei was driving, she was being tracked. She says she did everything by the book and became an extra careful driver, monitoring her driving behavior far more than she did before being tracked. Sarei was part of a group of 11,500 other drivers — all who opted to share their location data with the mobile app. The experiment was part of a contest sponsored by USAA and promoted by LA Mayor Eric Garcetti. Whoever was dubbed “safest driver in Los Angeles” also received a $20,000 prize.
USAA already offers discounts to policy owners who sign up for the mobile tracking app and use it according to USAA’s terms of service. Policyholders can see up to a 20% discount on their premium.
Other insurance companies offer similar discounts in exchange for tracking data. They say the tracking is meant to promote safer driving. Users who drive poorly will not be penalized with higher premiums, but they won’t receive a discount on their policy. Some states prohibit insurers from offering policies based on driving habits. In California, however, there is talk of changing those restrictions to make it easier for insurers to charge based on driving habits. Right now, these types of programs are on an opt-in basis, so you don’t have to worry about being tracked by your insurer unless you give permission. Are you willing to share your driving habits with your insurer? Some people question how the data may be used and how they are being tracked. It boils down to a question of privacy. If you’re willing to let go of your privacy, you might see a small discount on your premiums. If not, nothing changes — at least, for now.
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Who says the cookout has to ruin your diet? Try this paleo-friendly recipe for a main dish that’s worthy of your next barbecue. Grilled Prime Rib Andrea’s Kitchen
BUTTERFLY FLOWERS JEDI LADYBUG MAYFLY MEMORIAL MEXICO MOTHERS OUTDOORS POLLEN SUNSHINE TAURUS
Inspired by Primal Palate
Ingredients
• 1 1/2 lbs beef rib roast • 1 tsp Himalayan salt
• 1/2 tsp black pepper
Directions
1. Take rib roast out of the refrigerator 30 minutes prior to grilling. 2. Season roast with salt and pepper and allow it to rest for 10 minutes while you heat a gas grill to 600 F. 3. Sear roast for 3–4 minutes on each side. 4. Turn off the grill but continue cooking the steak, flipping every 4–5 minutes, until it reaches an internal temperature of 125 F. Remove from grill. 5. Allow the roast to rest — its internal temperature will continue to climb — for 5–10 minutes. Slice and serve.
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