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post #1 of 3 (permalink) Old 12-11-2017, 11:56 AM Thread Starter
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Plug-in Driver Monitoring Review (mostly Rant)

I was just wondering if anyone's tried P- Insurance co.'s S-shot module in their car.

I tried it last year and after 5 months P- said, "Forget it, send it back, you're getting zero percent discount." According to their records my average was a dozen or so "sudden stops" per 100 miles driven.

When I first got it I thought it would be great...I'm a field tech (lots of driving) and had no tickets or accidents in over a decade, and that was my only accident in 24 years of driving (fender-ding'er). At the time I received S-shot I didn't have any late night/early morning work projects, so I wasn't driving weird hours which is a major S-shot penalty factor.

So I got the thing in the mail, plugged it in and drove to town. I slowed down for a turn and stopped. The device dings when you do something 'bad', but only the first time per trip. So you think there's only one sudden stop, then later check the stats online and instead there's 8 'sudden' stops in a 20 mile round-trip.

Apparently any usage of the brakes is frowned upon by P-. Stopping too suddenly for a yellow light is a major offense. Being cut off is another stiff ding-penalty, so it's all your fault a 5mph dump truck towing a backhoe pulls onto the 55mph posted highway from a shrub-covered private driveway. And slowing down too slowly while turning means the Ferrari tailing you almost slams into your rear-end while cutting you off on the shoulder and honking because you're "turning too slowly"; P- thinks this type of behavior is great; everyone else on the road sees you as a slowpoke "granny hazard".

Here's the best part: after a while, thanks to P-'s S-shot, I became a more reckless driver. Yes you heard correctly, a MUCH more RECKLESS driver. I started running yellow (sometimes red) lights so the damn box wouldn't ding. I cut corners when making left turns, almost clipping the car waiting to come out of the side street I was turning into. I also rolled through stop signs, cut off pedestrians in crosswalks, and stopped yielding to traffic when merging. Great job, P-, you're making a ton of reckless drivers thanks to your shitty little box.

Later in the process I figured out how to "cheat" the system. I went on a really long highway-trip for a work-related project, thus reducing the number of sudden stops per 100 miles. Apparently P- quickly realizes this, and less than a week after my first 1000-mile trip they sent an email saying, "We want our device back now; we're done monitoring you. You get zero percent discount." Coincidence?

Forget the fact that I haven't had an accident, or even a TICKET, in 12+ years (again my only accident ever, after 24 years of driving in that spaghetti-road congested nightmare known as JERSEY, where God forbid you miss your exit 'cus the next U-turn is in Pennsylvania). S-shot (or any driver-monitoring device) is the worst thing in the car. It sets you up to fail.

When a corporation hears something like this, they do either one of two things: 1) Attack the criticizer, or 2) Fix the problem. I hope P- does the latter.
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post #2 of 3 (permalink) Old 12-11-2017, 12:13 PM
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It sure seems that, to me, that device exists solely to bring people in, get them a policy, with the hope of using that to prove how good of a driver they are, and then crushing those dreams as they never were founded in reality.

For what its worth, my buddy has (hopefully, soon to be: "had") the same insurance company you speak of. Earlier this year (still in the summer), after a meetup on Woodward (the first paved mile in the country - and an absolutely massive car-cruising location from spring to late fall), he was hit in his '15 1LE by some insurance-less jackass in Pontiac who immediately ran from the scene. This insurance company tried their very hardest to **** him on every thing. Two year old collectible car...wanted to use cheap, ill-fitting aftermarket parts, etc - the usual bullshit. Took forever to get the appraisal, etc.

I believe he will be dropping their sorry asses for a company that actually gives a shit.

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post #3 of 3 (permalink) Old 12-11-2017, 06:41 PM
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I have that insurance company! Signed up 6 years ago, a month after I signed up, I began seeing ads for that device and inquired and received that device just afterwords. I then received a 30% discount when they told me my test period was up. I logged on almost daily to check my progress. I had 1 ding in 3 months! My rates have trickled down ever since! Most be noted that I am single, 58 years old, clear driving record, daily commute of 4 miles round trip to work ( I do take the long way to work to warm up my car so 6 miles round trip). I also smashed a deer 2 years ago, and Progressive was there to help ASAP! $3500 damage, body shop of my choice and he used GM parts.

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Last edited by Thogan3; 12-11-2017 at 07:13 PM.
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