In an effort to promote safer driving habits, many insurance companies now offer lower premiums if drivers agree to install tracking devices in their vehicles or use monitoring apps on their smartphones. These devices track a wide array of activities such as speed, braking, cornering, and even phone usage while driving. While the promise of reduced premiums can be appealing, it’s important to understand how these devices might affect you in the event of a car accident, especially when fault is being determined.
The Double-Edged Sword of Data Collection
Insurance tracking devices provide companies with extensive data on your driving habits. This includes:
- Speed and acceleration
- Braking intensity
- Cornering and turning behaviors
- Location and time of travel
- Lane departure warnings and other alerts
- Phone usage while driving
The primary goal of collecting this data is to encourage safe driving practices. If you adhere to speed limits and avoid distracted driving, your premiums stay low. However, this same data can reconstruct the events leading up to an accident, which can be critical in insurance claims.
How Data from Tracking Devices Can Influence Your Claim
Access to this data can be invaluable if you are involved in an accident. If you can demonstrate that another driver’s negligence caused the accident through their driving data, it strengthens your claim considerably. Obtaining this data typically requires legal intervention, such as filing a subpoena during a lawsuit, which is why having a skilled personal injury attorney is crucial.
Conversely, your own data from a tracking device can confirm your safe driving at the accident’s time, supporting your case. However, this data can also be used against you. For instance, if data shows you were speeding or engaging in unsafe driving behaviors, it could be used to establish contributory negligence, potentially limiting or barring compensation for your injuries.
Navigating the Legal Challenges with Banck Law
The nuances of dealing with data from insurance tracking devices in car accidents require sophisticated legal expertise. At Banck Law, we have the experience to navigate these complexities, ensuring that your rights are protected and you have the best chance of receiving the compensation you deserve.
If you’ve been involved in a car accident and either you or the other driver was using a tracking device, it’s crucial to understand how this affects your case. Contact personal injury attorney Christian Banck today to schedule a free consultation. He’ll help you understand your rights and the best course of action for your situation.
Call or email us at Banck Law, located in downtown Covington on the Northshore; let us assist you in turning complex data into clear evidence for your claim. (985) 900-2440 | [email protected]
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