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Not sure what made me agree to it, off day i suppose, but i had a dongle attached to the diagnostic port for a year for car insurance. didnt decrease premium so i sent it back.

but with a phone app, how would they know what car you are in?

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Worked in this industry for a bit. Lots of ways to tell. Like where did the drive start? Did it start at the same address as your residence?

Also most likely they care more about you as a driver then you as a driver of your car. At least in terms of rating your ability.

For this example they'd need info from the car itself. Otherwise how would they distinguish between me leaving in my car vs being picked up by a friend vs catching an uber

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