Is anyone able to help me trace a e-mail ?

[Penguin]

Bummer.

-Penguin

[CAP1]

Yes, I am.  My Wife cancelled her Facebook account when she read the press release.  Right know the insurance companies are formulating how they are going to increase rates based on certain datum on the users Facebook page.

It is not a matter of "if" it is coming, just "when" as they have made the formal announcement about it last week (or so).  I'll dig around for the press release.  It is not at my finger tips at the moment.

wow. THAT is scary. it;s ALL users, or only ones that post certain things on there?

 and if they are allowed to do this, what next?
 charge us racers more, 'cause we go to the racetrack to race?
 

[Skuzzy]

wow. THAT is scary. it;s ALL users, or only ones that post certain things on there?

 and if they are allowed to do this, what next?
 charge us racers more, 'cause we go to the racetrack to race?
 

Actually they can do that now.  As I recall, they do ask what your car will be used for.  If you lie to them, it gives them an out not to pay a claim.

The press release was not specific enough about who on Facebook would be paying more, it simply stated they are evaluating rate increases based on Facebook.  It stopped short of saying "data".  Just have to wait and see.

[CAP1]

Actually they can do that now.  As I recall, they do ask what your car will be used for.  If you lie to them, it gives them an out not to pay a claim.

The press release was not specific enough about who on Facebook would be paying more, it simply stated they are evaluating rate increases based on Facebook.  It stopped short of saying "data".  Just have to wait and see.

that sucks.

the main questions i'm asked when renewing my policy, is if i'll be using any of my vehicles for commercial purposes. then they want an approximate mileage to and from work, which car i use mainly, what portions of their annual miles are to work, etc.


 insurance is getting to the point where it is nothing more than legalized thievery.

[Penguin]

I have something to say about that.

1.) It's just become more invasive, and it's more like betting than thievery

2.) So in my humble opinion, it's like this.  You step into a casino, and you have to make bets (policies), there's a certain fee that is charged to get chips (hidden 'gotcha' fees), you make bets and get returns if you win (accident).  The casino wants you to get loads of chips and make lots of bad bets.  They also want to minimize risk, so if you can get the person to buy enough chips so that making bets isn't as nessecary, you can minimize the risk further.

I can see what those guys want, and I understand how they want to get it.  They want: your money, how do they get it?  They find ways to see just what kind of a person you are before an accident.  If that profile deviates far enough from norm, they will keep you on until that point.  When you reach that point, you are dropped.  Either that, or your rates skyrocket. 

Yes, I agree, these people may seem evil, but they are trying to put bread on the table for their kids just the same as you do.

-Penguin

[maddafinga]

I have something to say about that.

1.) It's just become more invasive, and it's more like betting than thievery

2.) So in my humble opinion, it's like this.  You step into a casino, and you have to make bets (policies), there's a certain fee that is charged to get chips (hidden 'gotcha' fees), you make bets and get returns if you win (accident).  The casino wants you to get loads of chips and make lots of bad bets.  They also want to minimize risk, so if you can get the person to buy enough chips so that making bets isn't as nessecary, you can minimize the risk further.

I can see what those guys want, and I understand how they want to get it.  They want: your money, how do they get it?  They find ways to see just what kind of a person you are before an accident.  If that profile deviates far enough from norm, they will keep you on until that point.  When you reach that point, you are dropped.  Either that, or your rates skyrocket. 

Yes, I agree, these people may seem evil, but they are trying to put bread on the table for their kids just the same as you do.

-Penguin

Well they're just playing within the rules that we allow them to play under.  It's wrong really, but can't blame them.  It's up to us to call for the rules to be changed back to fair.

It certainly is like betting however..

They're saying "I bet you don't wreck that car in 6 months" 

and we're replying "I'll bet I do!   I'll bet 600 dollars I do!"

[Penguin]

But you see, 'fair' to us and 'fair' to them are two whole different worlds of 'fair'.  Most of those guys never see the huge returns on the policies, they're just clerks and managers of sets of policies.  A few are making the big bucks, but most are just peasants in comparison.

You have to realize that really cracking down on these people would put many an honest worker out of a job.  Yes what they do can be called evil, but it's a nessecary evil for when things really do go wrong.  My dad works in the financial sector, and not very high up.  This kinda hits close to home.

But yes, checking out our Facebook accounts does seem a little strange, if not despicable.

I agree with your betting analogy though.

-Penguin

[CAP1]

I have something to say about that.

1.) It's just become more invasive, and it's more like betting than thieveryyou;ll understand once you've dealt with insurance companies. i've dealt with plenty. they take your money, and in return, insure your vehicle. sounds good right? about 1/2 of the time, they do their damndest to avoid paying you.
 my most recent dealing was with a ladys insurance company....she was drunk, hitmy dakota where it was parked, bounced off, continued up the road, and nearly killed the dude in the bmw that she brodsided. her insurance company tried to tell me that they couldn't fix my truck, as they only covered her for $5k per accident. they tried to consider these as a single accident, so as to not have to pay me. then when they realized i knew their game, they sent an adjuster out, that was the biggest arse you could imagine. HE tried to tell me i don't know what i'm doing. i had to fight tooth and nail to get my truck fixed.

2.) So in my humble opinion, it's like this.  You step into a casino, and you have to make bets (policies), there's a certain fee that is charged to get chips (hidden 'gotcha' fees), you make bets and get returns if you win (accident).  The casino wants you to get loads of chips and make lots of bad bets.  They also want to minimize risk, so if you can get the person to buy enough chips so that making bets isn't as nessecary, you can minimize the risk further.

I can see what those guys want, and I understand how they want to get it.  They want: your money, how do they get it?  They find ways to see just what kind of a person you are before an accident.  If that profile deviates far enough from norm, they will keep you on until that point.  When you reach that point, you are dropped.  Either that, or your rates skyrocket. 

Yes, I agree, these people may seem evil, but they are trying to put bread on the table for their kids just the same as you do.

-Penguin

 you'll understand when you get added to the insurance policy. i have custmers that've paid 2 and 3k more on their policies because they added a teen driver to it.

 if they simply came out, assessed the damage to the car, assessed fault, and paid, then i wouldn't say this. like i said.....i've dealt with them many times.

 the ONLY time i didn't have to fight for compensation, was when the old lady in the saturn hit me head on. i think they wanted that settled fast, before i decided to sue someone.
this is what i lost to a pos saturn.

[rogwar]

Here is an article about that...

http://www.huffingtonpost.com/2010/02/22/facebook-twitter-users-co_n_471548.html

[68ZooM]

Boggles my mind why so many people want to put all there personal info on these social networks, my personal life is just that, personal.

[CAP1]

Boggles my mind why so many people want to put all there personal info on these social networks, my personal life is just that, personal.

you shoulda seen the show about google last night. 

[trax1]

That just doesn't sound legal, can it? 

[Denholm]

Google? Isn't the name a practical explanation of what they do? I'm fairly certain they can trace activities of users across multiple sites using their analytic scripts.

[CAP1]

Google? Isn't the name a practical explanation of what they do? I'm fairly certain they can trace activities of users across multiple sites using their analytic scripts.

i believe you're right on this. one of the things they said, is that if you're signed in when you do a search, they know exactly who and where you are. if you're not signed in, they still have the ip where you did the search from. they also said that if you study the searches done from an ip, that they can figure it out.
 they keep all of that information for 18 months, then they anonomize it.

[grizz441]

Boggles my mind why so many people want to put all there personal info on these social networks, my personal life is just that, personal.

It started off really small.  When I joined facebook a while back there were only a few hundred people from my university on it, now if you aren't on it you are in the minority.  There are a plethora of privacy features that have been implemented to protect yourself from people you don't know. Anyone who adds friends they don't know aka. random hot girls in bathing suits OR allow strangers to see your profile, you are subjecting yourself to some level of risk.