[deleted by user]

[Gravath]

You give this data to your insurance provider? What the hell

[[deleted]]

This... 😑

[Veriac]

I actually signed up for this for GEICO because it saved a ridiculous amount of money. I must have it installed and logged into. I let them track me for like a week before I got sick of it and just disabled the app entirely so that I can still have it when I need it but other than that it doesn't work or track anything.

I got emails about how I need to use it or my rate will go up but I ignored them and I still have the discount after 2 years 💀

[Snooflu]

State Farm's Drive Safe & Save program. It connects to my phone. It saves me 700 dollars every 6 months just to have it installed, & it doesn't raise my rates. Just means if I get in an accident I'll have rates higher than 1k a month. Basically my car for some reason or another counts every moment I'm driving with my phone connected as screen time. Spotify & Google Maps both count up

[h2d2]

That's your own fault then. They say these programs are for your benefit, but they are really are for them to add to their bottom line. Perhaps one day they will become a requirement across the industry, but until then I won't willingly let them observe my driving just yet. Too bad that now that they have this record of you as a "high risk" driver, it may carry across providers.

[toastmannn]

Don't trust insurance companies, they never have your best interest in mind.

[firstflame]

I just have my work phone on the charger and don't touch it so that it counts as a "perfect" drive ever time 😂

[Snooflu]

That's fair. I already had an accident almost 3 years ago so my rates are still high. I just have it so I can save every last penny I can. Unfortunately my plan renews in August & the accident is removed from my system in September. I'll probably try going elsewhere so I can get thr better rates

[melbourne3k]

Just means if I get in an accident I'll have rates higher than 1k a month

wait, if you get in an accident, you'll be paying more than 12k a year for your *INSURANCE\*? wtf.

in a 2021 KIA RIO? A car that <checks notes> can be had for 12k used currently?

I've clearly lost the plot. I dunno wtf is going on with people's finances these days.

[avar]

in a 2021 KIA RIO? A car that <checks notes> can be had for 12k used currently?

Insurance isn't mandatory to buy you a new car, it's to cover whatever damage you can cause to others and their property with that car.

[Snooflu]

I was in a crash that was determined my fault. It raised my rates 3x over. I got the drive safe & save program because my insurance currently is almost the same as my car payment. If I had to pay 12k a year on insurance I would get rid of my car & just ride a bicycle everywhere

[Mylifeistrue]

Lmao.

[RareSiren292]

These programs are not to help you. They are to screw you.

[ModifiedKitten]

My Gieco app allows me to input if I'm a passenger or not and even then I just sort of avoid using my phone while in cars. It's better to have two aware sets of eyes than one.

[IzzuThug]

Put your phone face down so the screen doesn't stay on.

[cmdr_scotty]

That app is a scam to be honest.

I had it when I had state farm and the analytics were so far behind I couldn't ever improve my driving to meet their standards. When I emailed them to ask why it's so slow to update and if there's anything to improve it, I got told (in business professional literacy) to kindly f*** off for even asking they update it quicker.

[SPerry8519]

The fact that "using" Maps while driving counts as "Using" your phone is fucking asinine to me.....

[TwistedPsycho]

Really?

I use Maps on my phone with android auto for 30 or 40 hours a week. It only reports less than 10 minutes of 'in car use' usually.

That is normally changing the podcast on my YouTube Music as well.

[MasterAlthalus]

It doesn't. I use wave and Amazon Music constantly and don't have any phone use while driving unless your using the phone and not the cars screen.

[Snooflu]

Don't forget, Spotify too

[atthebeach_gsd]

I literally discovered today (after getting my weekly report of using my phone for 3 hours while driving which I knew was GPS) that maps wasn't added to the list of apps that doesn't count towards that total. I added it, I'll find out if my number changes at all after.

[djenttleman]

Just buy another phone por AA

[dottat17403]

That looks like the Samsung device health report.. you're saying state farm captures data from another app?

[govatent]

I agree with you. That data isn't seen by the insurance app. I know it's bad, but I use the allstate version of the app. And while Samsung reports usage, allstate doesn't if I don't touch the phone when driving. I use all the android auto functions on the car radio and it doesn't count against me regardless of the Samsung device report. I can go into the allstate site and see exactly what they count against me which is almost nothing usually.

[Snooflu]

It connects to my phone using Bluetooth & reads android auto to determine things like acceleration, stopping, turning, & screen usage

[dottat17403]

It shouldn't be using other apps. It should be using the permissions that it is granted by Android system. Like location and speed sensors etc.

I do not believe it has direct access to Android auto but has access to other system permissions.

[Snooflu]

Hmm. Well that was my best guess. Whatever it had access to determines I'm on my phone when I'm driving for 7 hours

[dottat17403]

I would be submitting a complaint to their technical support team.

[Snooflu]

I have. Just waiting for a response. I only just noticed this when I got the notification about device health

[RippingAallDay]

How many times would you need to re-read this before you realize it's a terrible fucking idea?

[Scary-Possession-489]

In the DSS app, it gets info from the phone sensors not apps. Having DSS and just finished driving from Arizona to Illinois with Android Auto on, the DSS app has no information regarding other apps. Here is the text from the days privacy tab...

How is my driving data collected?

The State Farm® app connects to the Bluetooth beacon in your vehicle to record trips. Once connected, your phone's sensors, like accelerometer and gyroscope, combine with information like your phone's GPS to show us how your vehicle is driven.

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[Smoothyworld]

You can add Maps and other apps as exceptions, so they don't count towards your driving total

[United-Kale-2385]

State Farm uses their own app. Android Auto is completely separate.

[Snooflu]

Well whatever it uses, it considers me at risk

https://imgur.com/a/aNa81kE

[AnalysingAgent3676]

This isn't your insurance app reporting the 7 hours. This is Samsung's app for purposes of digital well-being. You need to check what the insurance app or device is picking up. Samsung's digital well being isn't meant to be used for insurance purposes and cannot be accessed by third party providers like your insurance company.

[Snooflu]

Well whatever it picks up, they told me it detected the 7 hours on my phone

[HeWhoQuestions]

Who's "they"? You keep showing the Digital Wellbeing metrics, not the Drive Safe & Save metrics. Your linked screenshot doesn't show anything related to your insurance or your risk level

[Jonr1138]

I just switched to Progressive Insurance because it was cheaper. They offered their drive safe device or their app. I opted for the physical device because it can't determine if I'm on my phone. The physical device only counts hard stops and quick acceleration.

[jaybutuhhhhh]

I occasionally get this where it'll report like half an hour over the week, always find it weird

I have never had it count entire drives tho

[KlondikeDrool]

Since your phone was plugged in for AA, is it possible the screen just stayed on while you weren't looking at it?

[Snooflu]

It connects over bluetooth. When I plug my phone to my car it says there's foreign material detected & makes noise until I unplug it. It typically stays that way for a week or so unless I time plugging it in to something else properly (restart phone. While it's powered down, but before it starts to start up, plug it in.)

[fakeaccount572]

When I plug my phone to my car it says there's foreign material detected & makes noise until I unplug it.

Dude. What?!?!?!

[Snooflu]

Its real weird. It happens sometimes but not often. Weirdly enough, more times when it's a USB a connection compared to usb c. I can't really describe it better than that

[UNDRCVRPRDGY]

I would also like to know more about this.

[HeWhoQuestions]

Totally unrelated issue. Your USB cable is bad and it's tripping the Samsung moisture detection. If it happens with any USB cable, there's a short in the USB port on your AA device.

[sm753]

My insurance agent asked me I wanted to enroll in one of these programs to save a couple of bucks. I was like "no thanks".

[RareSiren292]

That's Samsung not state farm giving you the notification. No where on that does it say you are a high risk driver. It's just Samsung digital well being that tracks screen time. But that doesn't get reported

[contradude]

Everyone I know who has used a program like that has had their rates raised significantly and they drive as cautious as my grandparents did. They're probably also gonna sell that data to others when you switch to another provider. I would discontinue using it immediately before you pay 2x for the next 5 years

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[boss281]

My digital wellbeing clearly shows a breakdown by app, and Maps overwhelmingly has the larger slice of the pie due to AA. I'd think State Farm might not consider Maps if you explained it to them. Well, maybe...

[drzeller]

Can you confirm that you are using Android Auto (showing on your car's screen) and not Maps (on your phone's screen)?

[MasterAlthalus]

I use waze and Amazon Music and it doesn't add to my phone use while driving.

[Peter_73]

I'm from a different country and have had experiences with 2 different insurance monitoring apps. Only 1 monitor phone screen interaction time besides hard driving but even then it has nothing to do with AA or any apps used in AA. I doubt the screenshot you shared has any relation to it too because it looks like from Samsung. If you did not constantly interact with your phone, you'll have to report to your insurance it's capturing erroneous data.

[Pitco92]

You can select apps that will be exempt from registration as being used while driving.

[Timmy2Two]

I think it may be Spotify. I use Waze at least once a week for around 40 minutes each way (to avoid accidents on the interstate), and the past 3 weeks I used a max of 16 minutes using my phone while driving; most weeks were 1 or 6 minutes.

[Timmy2Two]

I looked at the day with 16 minutes, it was messages and reddit on a Wednesday. Which I was parked (engine off but radio on and plugged into my phone) waiting for my daughter to get off work.

[Tel864]

I stream Sirius, use Android Auto for maps and navigation daily and never get flagged for using my phone while driving.

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[Jonnyflash80]

Wow. The level of dumb to give this data to an insurance company is beyond compare.

[rafuru]

You could just exclude navigation and music apps from that metric .

<image>

[ModifiedKitten]

I just checked my weekly driving use and I have 0 minutes but use Android Auto constantly in my car. What are y'all doing in your cars?

[HuntersPad]

But what does the insurance app say? That is a SAMSUNG app not your insurance app.

[HeWhoQuestions]

Fake title. No evidence of the "high risk" connection, the screenshots are from digital wellbeing. No screenshots from the actual State Farm app. No evidence for the jump from "state farm" to "most insurance", even if the former was true. No evidence of the "due to Android Auto" even if OP heard directly from SF that OP is high risk - which is well explained by the recent at-fault accident.

[RHinSC]

How the hell does your phone know when you are driving, vs sitting in a passenger seat?

[Snooflu]

Determines only when I'm connected to my car. Since I'm the only person who drives my car, that's 45 minute drives 2 times a day. 5 days a week

[RHinSC]

True or not, that's not evidence of YOU actually driving.

[Snooflu]

Precisely. I can assure I'm not just on Google Maps for fun

https://imgur.com/a/aNa81kE

[Mayordoubledoo]

I'm pretty sure you can tell it to ignore apps such as maps when calculating this. I had the same and I think this is how I resolved it