Progressive is launching a program to monitor its customers’ driving habits with a tiny computer device, in exchange for possible premium discounts. Progressive will provide the customer with a device that plugs into the diagnostic port of a vehicle which will collect data about the driving habits of the customer for 30 days. The device will capture information about how often the person drives, the time of day they drive, and information about driving habits like braking. If the customer passes the “test”, they may be eligible for discounts on their auto insurance (what happens if you get into a car crash while you’re being monitored?). What do you think about your insurance company monitoring your driving habits? How would you do? Please share your comments below.
For the complete story, click here.
Posted by C. Todd Smith 
At the law firm of Earle & Smith, we talk to clients all over Central Florida who have questions after being in an automobile accident. Questions often arise such as, “Who is responsible for my damages”, “What are my rights?”, and “Do I have a case?”. For specific answers to these questions we recommend that you consult with an experienced attorney. Generally, whether or not you have a claim depends on who was at fault for the accident and if you were injured as a result of the accident. Damages typically include the amount of your past medical bills, the amount of future medical bills, past lost wages, loss of earning capacity in the future, and pain and suffering if your injury is permanent. 
Florida law only requires that an owner of a motor vehicle purchase Personal Injury Protection and Property Damage liability coverage. The law doesn’t require that a motor vehicle owner purchase liability insurance for bodily injuries. So, if you are in an automobile accident and the person that caused the crash doesn’t have bodily injury (BI) liability coverage, you will not be able to recover insurance benefits for your injuries from the uninsured at-fault party. In another common example, the person causing the automobile accident has BI coverage, but for a small amount such as $10,000. If your injuries are significant, that may not be enough to cover your claim. Most states require motorists to carry a minimum level of BI coverage. Georgia and South Carolina require $25,000 in BI coverage. This puts Florida in the embarrassing position of protecting property before its people.
