I completely understand what your saying, and like you say, I can"t say whether this is the truth or a work of somebodies imagination. That said, given the technology available now days, the culpability/liability related to nearly anything a "pro" does, and just the litigious nature of society in general, it stands to reason that this sort of thing has, can, or will eventually happen.
As far as what I know technology can do, look at the Progressive insurance commercials and their "Snapshot" deal. To get better rates you basically let them into your car"s computer so they can see how you drive. Thing is if your having to speed to get on the interstate, accelerate quickly to get out of a parking lot into traffic, or any number or other things they may deem as "bad" driving, they will know about it. Thing is all they have to look at is a bunch of raw data that tells them nothing of the situation, or where, or why you did this or that. Given that face, in essence, the information is worthless to them.....but they are going to use it against you anyway...because they can....
Because they can, they will gladdly base whether your a "good" or "bad" driver on said data, and give you rates based upon that info. Right now I assume they keep all that info "secret", but think about what would happen if they were to market it out to other insurance agencies. Basically that would put everything you do while driving under the microscope. Whether everything is taken in context of the situation or not doesn"t matter to the agencies because they have "hard data" saying they are justified to charge you the highest rates they possibly can..........and there"s not a dang thing you can do about it. Me, I like knowing that the only thing they will ever know about me is what I tell them........and that"s the way I like it.
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Today's Featured Article - Show Coverage: Journey to Ankeny - by Cindy Ladage. We left Illinois on the first day of July and headed north and west for Ankeny, Iowa. Minus two kids, we traveled light with only the youngest in tow. As long as a pool was at the end of our destination she was easy to please unlike the other two who have a multitude of requirements to travel with mom and dad. Amana Colonies served as a respite where we ate a family style lunch that sustained us with more food than could reasonably fit into our ample physiques. The show at Ankeny
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