1. Attachments are working again! Check out this thread for more details and to report any other bugs.

OBD II and your insurance

Discussion in 'Prius v Main Forum' started by Eric "v", Nov 22, 2014.

  1. Eric "v"

    Eric "v" Member

    Joined:
    Nov 17, 2014
    229
    44
    0
    Location:
    'Vegas, NV, Baby
    Vehicle:
    2013 Prius v wagon
    Model:
    Two
    FYI:
    Many of us know this but many others may not. If your v is involved in an accident most auto insurance companies today will hook into your OBD II unit to download your last 15 seconds or less "driving history" which will also show braking. If your story and the OBD II history do not say the same thing you may be in for problems even including a BIG raise in rates or cancellation.

    Ex. - If you say you braked and it is not shown in the history you are going to have "problems" with your insurance company.
     
  2. Air_Boss

    Air_Boss Senior Member

    Joined:
    Jun 2, 2012
    3,902
    1,064
    0
    Location:
    New Yawk
    Vehicle:
    2012 Prius v wagon
    Model:
    Five
    I have never seen or heard of that happening, not that it might provide the data you suggest.

    Is there a triggering condition (total, injury, fatality) that causes an intent to download?
     
  3. xliderider

    xliderider Senior Member

    Joined:
    Apr 19, 2012
    7,842
    3,099
    0
    Location:
    Honolulu, HI
    Vehicle:
    2011 Prius
    Model:
    Three
    Yes, most modern vehicles "store" the last 15 to 30 seconds of data, which can be accessed by law enforcement or insurance companies. Data includes speed, braking, throttle position, etc.

    SCH-I535
     
    kithmo likes this.
  4. Air_Boss

    Air_Boss Senior Member

    Joined:
    Jun 2, 2012
    3,902
    1,064
    0
    Location:
    New Yawk
    Vehicle:
    2012 Prius v wagon
    Model:
    Five
    Have you ever heard of this being accessed? Under what conditions, data preservation procedures, custody, etc.?
     
  5. Eric "v"

    Eric "v" Member

    Joined:
    Nov 17, 2014
    229
    44
    0
    Location:
    'Vegas, NV, Baby
    Vehicle:
    2013 Prius v wagon
    Model:
    Two
    This data storage first appears on Corvettes around 2005 and has since expanded to most vehicles. It protects auto companies from fraudulent complaints and insurance companies and law enforcement with facts that are accepted in court.

    And yes, all the above mentioned entities have used this data. You can also use it to uphold your (true) account of events just prior to a crash.
     
  6. jejb

    jejb Member

    Joined:
    Jun 11, 2014
    95
    27
    0
    Location:
    NW Ark
    Vehicle:
    2016 Prius v wagon
    Model:
    V
    It is commonly used. I've read that there is actually some legislation being considered to stop the practice on a invasion of privacy perspective. The feeling is that you own the car and therefore the data. Makes sense to me. They should not be able to take the data w/o at least a court order.
     
  7. kithmo

    kithmo Couch Potato

    Joined:
    Apr 25, 2010
    2,404
    2,773
    47
    Location:
    South Yorkshire, UK
    Vehicle:
    2016 Prius
    also g-force and with electric steering, steering angle.
    The cops here in the UK have only just started downloading and using this data.
    As a side note, analogue speedometers are designed to break upon impact, the needle sticks at the indicated speed on collision and they can read the impact speed from that. This and skid marks were the data they used until recently.
     
    #7 kithmo, Nov 23, 2014
    Last edited: Nov 23, 2014
  8. Air_Boss

    Air_Boss Senior Member

    Joined:
    Jun 2, 2012
    3,902
    1,064
    0
    Location:
    New Yawk
    Vehicle:
    2012 Prius v wagon
    Model:
    Five
    Doesn't seem to be SOP here. Perhaps only in injury/fatality accidents, about which we thankfully have no experience.