Attorney-reviewed analysis of digital insurance platforms
Insurtech companies promise to simplify insurance with mobile apps and AI-driven pricing. But what do their terms of service actually say? These digital insurers often collect extensive data about your lifestyle, driving habits, and even your social media activity to determine your rates. I've analyzed the fine print so you can make informed decisions about who handles your most sensitive health, home, and auto data.
Most insurtech companies collect extensive behavioral data through apps, including driving habits, fitness activities, and even how you interact with your phone.
Automated systems may deny or delay claims with limited human oversight. Appeals processes can be opaque and frustrating.
Rates can change based on continuously collected data, sometimes resulting in unexpected premium increases.
Your insurance data may be shared with data brokers, marketers, and affiliated companies for purposes beyond your policy.
Each insurer's terms of service, privacy policy, and claims procedures are reviewed by attorneys using my Consumer Fairness Index. I evaluate data collection practices, claims handling transparency, coverage limitations, and user rights. Insurance-specific factors like state regulatory compliance and financial stability are also considered. Scores are updated when terms change.
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