USAA Driving App

I

Iflydogs

Pre-takeoff checklist
Joined
Feb 12, 2022
Messages
171
Display Name
Display name:
Iflydogs
I think several insurance companies have these apps now, they use the embedded accelerometers and positioning info to evaluate your driving and give you a discount. Anyhow was talking to the insurance fellow in a non related subject and asked him how the app would work for me as I use my phone to navigate my plane and can get up to 150 mph. Nobody ever asked him that! So will forgo the big brother app for now…
 
Pulling Gs in a turn, neg Gs, double the speed limit…….


I say do it and see what they say!!
 
A friend and his wife use Life 360 and know where each are and the speed at which they are traveling. Works in the plane too but doesn't show altitude.
 
Yes sometimes logs the airplane as a trip…you get pinged if your in an Uber or Cab..logged the first hour on a cruise boat a month ago…pretty much crap…my renewal it’s giving me a 9% discount…got that message last week. Happened to shop a little over the last couple of days and found significant savings with another carrier for my fleet ( five cars and two drivers)
 
I enjoy a spirited drive. As a USAA customer who has never cost them any type of payout in 42 years, no way in hell am I volunteering accelerometer data. No way.
 
And wait until the cops get the data. No way on earth will I deliberately equip myself with an incriminating black box.
 
Data about a person belongs to the person. For a corporation to collect and make money from it shouldn't just require recurring consent, but also rent.
 
I had USAA for 20 years. Thought they were good rates for military and all…started to wonder when I saw all the high priced commercials during big sporting events. About 5 years ago left them for auto and home and saved a lot of money. Had zero claims, reported tickets and max credit score. Still do conventional banking with them but they can’t even offer a competitive VA mortgage. Sad.
 
Half Fast said:
Have you sent Google a bill yet?
Click to expand...

If I ever think it would work, I will! The way I figure it, they owe everyone in the country about 5 grand.

But...they let people quickly find kitten videos and where to get cheap tacos, so people let it slide.

In all seriousness, the fact that we attach and allow corporations to have human rights and protections is baffling to me.
 
I just had my overhauled alternator stolen from my apartment building that QAA mis-labeled. We've used USAA for insurance forever.

I was very shocked that exclusion #2 among a very short list, was Aircraft Parts.

Nobody could explain why Renters or Homeowners policies would have such an exclusion. I can't fathom why anyone would. How many aircraft parts could have been in the claims history to merit the exclusion?

But we'll be in the market for a new provider come renewal.

==

And as a leadfoot over 40, there is exactly zero chance that the App will benefit me. The rate tables say I'm safe and boring, and no set of accelerometers is gonna discover me being MORE safe and boring.
 
Half Fast said:
And wait until the cops get the data. No way on earth will I deliberately equip myself with an incriminating black box.
Click to expand...

I hate to tell you this, but very high probably that you already have a black box in your car. Just about every car sold in past 9 years has one and many had them well before that
 
schmookeeg said:
I just had my overhauled alternator stolen from my apartment building that QAA mis-labeled. We've used USAA for insurance forever.

I was very shocked that exclusion #2 among a very short list, was Aircraft Parts.

Nobody could explain why Renters or Homeowners policies would have such an exclusion. I can't fathom why anyone would. How many aircraft parts could have been in the claims history to merit the exclusion?

But we'll be in the market for a new provider come renewal.

==

And as a leadfoot over 40, there is exactly zero chance that the App will benefit me. The rate tables say I'm safe and boring, and no set of accelerometers is gonna discover me being MORE safe and boring.
Click to expand...
Probably woulda taken just one claim from someone with one of those hangar homes at one of them Gucci live at the airport air parks with a hangar full of all kinds of avionics and unobtanium parts and other stuff valued in AMU’s for them to say, ya know, we outta exclude airplane parts.
 
genna said:
I hate to tell you this, but very high probably that you already have a black box in your car. Just about every car sold in past 9 years has one and many had them well before that
Click to expand...
Yup. If you get in a wreck you may want to zap the computer thingy that runs the car and stores driving data with a few thousand volts. Electro Engineering types??? Could you do that? Give the gadget a lobotomy so to speak with just a quick blast from some easy to carry gadget like a taser or something
 
aftCG said:
I enjoy a spirited drive. As a USAA customer who has never cost them any type of payout in 42 years, no way in hell am I volunteering accelerometer data. No way.
Click to expand...

Ditto. Although I’ve never hit anything in my life, one of those apps would ass rape me. Nope!
 
If you stay with usaa long enough, you’ll receive the annual distribution given to each usaa member based on the company’s insurance experience, and an additional senior bonus given only to 40+ year members. It’s usually enough to pay for my homeowners insurance.

it’s not enough to incentivize me to allow usaa to track me everywhere I go.

I’m curious, though, how many refuse the black box of insurance economy, yet go home to Alexa or Siri?
 
listening.png
 
Radar Contact said:
I had USAA for 20 years. Thought they were good rates for military and all…started to wonder when I saw all the high priced commercials during big sporting events. About 5 years ago left them for auto and home and saved a lot of money. Had zero claims, reported tickets and max credit score. Still do conventional banking with them but they can’t even offer a competitive VA mortgage. Sad.
Click to expand...

USAA is not what it used to be. Insurance is getting to high, and investing is getting farmed out.

40 year member and slowly moving to other companies, but I won't completely leave USAA.
 
pmanton said:
I've been a USAA member since 67 or 68 and have never heard of this.
Click to expand...

https://www.usaa.com/inet/wc/insura...M5BoCR1UQAvD_BwE&gclsrc=aw.ds&akredirect=true

Zeldman said:
USAA is not what it used to be. Insurance is getting to high, and investing is getting farmed out.

40 year member and slowly moving to other companies, but I won't completely leave USAA.
Click to expand...

27-year member here, and I agree. Service has been steadily trending down.

Just two examples that come immediately to mind:
- In 2013, we owned 2 rental homes. A tornado passed near both of them, fortunately just requiring roof replacement, for which we made claims. A couple years later, USAA would not quote us on homeowner's insurance because we had 2 claims in the last 3 years. Let alone they were to two different properties, it was one storm, and clearly not due to something we did. Heck, the houses were miles apart. I literally asked "so it doesn't matter how many homes I have, if I have two claims divided among them, you won't write any new policies for me?" Yep. We had to go with another company after almost 20 years with USAA. No amount of appealing made a difference. We did go back after the claims dropped off the record.
- I recently had to make a couple of wire transfers. Hold time was an hour 20 minutes for the first one, and the next day just over an hour for the second one. The amounts were too big to do online.

In my opinion the company has just gotten too big, and involved in too many things, and lost the "personal service" touch that it was known for. Pretty typical unfortunately as business get larger.
 
Yeah the data is already being collected and is available if you drive any sort of modern car. With vehicle prices going up I'm waiting to see if Vans will put out a kit car soon.
 
When I joined years ago, USAA was for active and former military officers and their immediate families. Now it's for anyone who has almost any familial connection to the military. The idea at one time was that officers and their immediate families were a favorable risk group. If true, that distinction has been lost---USAA's current demographics represent the population as a whole.
 
DoubleD said:
When I joined years ago, USAA was for active and former military officers and their immediate families. Now it's for anyone who has almost any familial connection to the military. The idea at one time was that officers and their immediate families were a favorable risk group. If true, that distinction has been lost---USAA's current demographics represent the population as a whole.
Click to expand...

Just like GEICO. Government Employee Insurance Company.

Now it sells coverage to anyone.
 
DoubleD said:
When I joined years ago, USAA was for active and former military officers and their immediate families. Now it's for anyone who has almost any familial connection to the military. The idea at one time was that officers and their immediate families were a favorable risk group. If true, that distinction has been lost---USAA's current demographics represent the population as a whole.
Click to expand...

I agree. And hope that doesn't make me sound elitist, but it's the truth that expanding the membership eligibility has therefore dramatically increased the membership, and that's not always a good thing.

To put it in aviation terms, if you have a 2-person partnership in an airplane, the two of you get along just fine, nice and friendly, maybe no formal policies or rules, you just work it out. All friendly-like. But if you then expand to a 10-person club, it's a whole different world. You need written policies, checkout requirements, scheduling rules, provisions for kicking people out, all of that, and lose the true "personal" touch you had with just the two of you.
 
I'm one of those that got in via my parents being active duty/former military. Now USAA is telling me that I can enroll my immediate family in USAA services as well so I can see the demographics changing a bit. That being said my frustration has been with who they have farmed out services to for things they won't underwrite themselves. I've never had a complaint with USAA's customer service. Its the one area where I can get someone on the phone within 5 minutes and the person I'm talking to can solve the problem I'm calling about or can get me to the person that can with a warm handoff so I don't have to tell them my name, address, member id, password, etc. That being said it used to be that when another insurance company called me to try and win my insurance business I could just end the call by telling them I was with USAA. They knew they couldn't beat the prices and quickly wrapped up the call. It sounds like from this group maybe I need to start shopping that around a bit. As for the driving app no way in hell.
 
I tell everyone who asks about USAA my ridiculous experience with them. They used to be great. Lower costs and better service. Cost started to sneak up but the service was still better than others. I gave up on them when I was hit by an uninsured driver (documented with a police report) and had the absolute worst insurance company experience I could imagine. I took the car to one of their partner body shops, who obviously found more damage as they pulled things apart. USAA sent an investigator out who accused me of making up the accident and then told me the body shop estimator and the manager both said the damage could not have been caused by the accident I was in. He was very embarrassed when I put him on speakerphone with both of those guys and asked him to repeat himself. They both immediately said that was a lie and the investigator admitted he had made that up. USAA never apologized or even admitted they were wrong. Add that to the fact they turn off my credit cards anytime I try to buy gas at my home airport and I am done with USAA.

Their bank has recently had to enter into ACOs with the regulator, so they’re not even meeting minimum standards there. As my dad says, they’ve been downhill since they got non-military leadership and started allowing anyone who has ever seen someone in uniform to be a member.
 
The app is atrocious, the tiniest hint of moderate brake pressure it and gives you slap on the wrist towards your “score.”

It did pickup when I went up 1x but when I went into the app had some message saying that it didn’t think it was a legitimate “drive” so did not count it.

I’ve since disabled the app, but it’s still giving me a 10% discount just for “signing up”.
 
You disabled the app, but did it quit transmitting?
 
orca64 said:
I’m curious, though, how many refuse the black box of insurance economy, yet go home to Alexa or Siri?
Click to expand...
And in the air with ADS-B and all the data logging that newer digital avionics do. I've never been offered a logger for the car and would refuse if one was offered, but welcome logging it the airplane with open arms (files?). Maybe that makes me a hypocrite but I use the data.

Nauga,
for whom old habits die hard
 
SoonerAviator said:
It might not get going fast enough or stop quickly enough to trigger the insurance company black box anyway! :)
Click to expand...

It's a driver's car as it takes skill to manage that massive 46hp air-cooled powerhouse in the rear along with those mighty four wheel, non-power drum brakes! It might get to a speed they can read if I drove it off a cliff ... ;)
 
Some insurance companies are pushy with these apps and want to make them mandatory. I think they are bad. We have given up so much freedom and anonymity with ADSB. That is bad enough. But to be tracked everywhere you go in a car, and not being allowed to opt out. This tech will be used for less than honorable intentions by someone somewhere.
 
Radar Contact said:
I had USAA for 20 years. Thought they were good rates for military and all…started to wonder when I saw all the high priced commercials during big sporting events. About 5 years ago left them for auto and home and saved a lot of money. Had zero claims, reported tickets and max credit score. Still do conventional banking with them but they can’t even offer a competitive VA mortgage. Sad.
Click to expand...

Generally you will find that when you change insurance companies the rate is always better for a year or two and then creeps up. Often the coverage will be different also. USAA heavily rewards long term members with the rebates. Once I factor those in and insure the coverage is the same I can’t beat them. Their service is also very good if you ever need them. After a bad hail storm I had a very different experience than my neighbors.
 
You must log in or register to reply here.
Back
Top