Sky-high car insurance rates? Blame it on all the tech in our cars

Also relevant maybe here ..

Got a 2011 Hyundai Sonata. Air Bag Idiot light on dash came on a month ago for no reason. Now my cruise control won’t ‘set’ — wouldn’t be surprised if the AirBag police are making others features break to force me into the dealership !!

I’ve hit someone when I was at fault. They will not come after you unless you are a business with deep deep pockets. In Florida they can’t sue and take your cars, house or retirement. The lawyers tried to get $10k out of me. I just ignored it and nothing happened. Not saying you’re wrong necessarily.

A new thing is that a lot of the new tech is related to the cars having cellphone connectivity to manage their subscription features like heated seats and remote start.

I'd hate to think that I'm paying more because of the hight tech required to make me pay more just to use the car.

-PJ

Yes. It’s texting. Not so much talking on the phone but texting.

Yeah... I agree but there is another cause to consider. With everyone feeling like they need a dog, that can be a big distraction when you have them in your car with you. I see it all the time. Driver looking back at their dog in the back seat or the dog crawling around the front of the car with the driver.

This was the case with my recent accident. The lady that blew a red light AT THE SPEED LIMIT said she was distracted by her dog in the back seat. Ugh. Same thing can be said about little kids too but there have always been little kids in back seats but there seems to be an explosion of people hauling their pets all over creation.

The Controller Area Network (CAN bus) has the electronics talk to one another. A problem in one area may or will cause problems elsewhere.

Searches: the majority of CANBUS communication problems are caused by poor wiring, incorrect termination, or the use of multiple frequencies on the same bus.

Scotty Kilmer says not to use the OBD port for anything but a diagnostic tool. He reports how an insurance tracking tool that uses that port can cause codes to pop up that could cost you hundreds of dollars.
https://youtu.be/Y445BMN-nm8?t=206

I am in southern California. I have been hit in my parking lot 4 times!
The lot holds 36 cars. 2 were scraps that just left paint from the car next to me as the pulled out. Neither driver told me. The 3rd was a small sports car that was going out the gate and decided to back up and hit my car. No damage as my car was bigger. The 4th was the apt manager who was leaving in the dark of early morning in his giant Suburban and tried to back between my car and the car one lane over. He scrapped paint off the side of the bumper. The estimate to get repainted was over $800 as they would have to do the whole bumper to match and fill in the missing paint. He paid by certified check.

I have had my car rear ended twice by illegal on the freeway and one person from India who worked like 400 miles away near San Francisco who hit my car on a service road where everyone had stopped at a red light but him.

Slight 4” scrap on the bumper from the illegal and a totaled car from the Indian guy. Insurance only pays what the car is worth so if it costs you thousands to replace then you either sue and hope they pay or you just pay the extra yourself as it would be cheaper then paying the lawyer.

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