A few bloggers have commented on Progressive Insurance' TripSense program, which pays you a bribe in return for driving your car with a data logger attached to the OBD-II port. I don't have a problem with the idea--people should be able to give up their privacy for cheaper insurance. I'd be curious what AutoMuse has to say on the subject.
I noticed that the unit appears to be identical to the CarChip data logger, which is a commercially available product.
This only makes sense--why would Progressive pay the development costs for a new data logger when off-the-shelf stuff is available?
So, the next question is: could a dishonest customer sign up for Progressive's monitoring program, and then use CarChip's software to delete records from the logger that have incriminating evidence? Like, say, drag racing at 3:00 am?
Not only does CarChip offer software, they even offer an SDK for programmers who would like to design their own software to interface to the logger.
Update: Progressive's web site states that this is a study only, and that invidually identifiable driving habits are not logged, and will not affect your rates. But, couldn't you just see a monitored discount program down the road?