1 00:00:03,100 --> 00:00:08,933 THAT HUNGER STRIKE LASTED 19 2 00:00:06,400 --> 00:00:10,200 DAYS. 3 00:00:06,733 --> 00:00:13,366 >>> WOULD YOU LET YOUR CAR 4 00:00:08,933 --> 00:00:14,300 INSURANCE COMPANY GATHER DATA 5 00:00:10,200 --> 00:00:16,333 WHILE YOU DRIVE. 6 00:00:13,366 --> 00:00:17,366 NORTH BROOK BASED ALLSTATE IS 7 00:00:14,300 --> 00:00:18,433 GRANTED TWO PATENTS THAT COULD 8 00:00:16,333 --> 00:00:20,466 ALLOW THE COMPANY TO GAERM A 9 00:00:17,366 --> 00:00:21,933 LOT OF INFORMATION ABOUT YOU. 10 00:00:18,433 --> 00:00:23,333 THINGS LIKE WHAT YOUR HEART 11 00:00:20,466 --> 00:00:25,000 RATE IS WHILE I DRIVE OR 12 00:00:21,933 --> 00:00:26,266 WHETHER DISTRICTED BY SOMETHING 13 00:00:23,333 --> 00:00:27,500 IN THE GAR CAR. 14 00:00:25,000 --> 00:00:28,033 IT COULD POTENTIALLY KEEP AN 15 00:00:26,266 --> 00:00:30,066 EYE ON CARS AROUND YOU AND BELL 16 00:00:27,500 --> 00:00:31,533 ON THE STREETS. 17 00:00:28,033 --> 00:00:33,200 AND THE COMPANY SAYS ANY NEW 18 00:00:30,066 --> 00:00:34,300 DATA COLLECTION TECHNOLOGY 19 00:00:31,533 --> 00:00:36,633 WOULD BE TO IMPROVE DRIVER 20 00:00:33,200 --> 00:00:38,333 SAFETY. 21 00:00:34,300 --> 00:00:40,166 BUT, SOME WORRY IT'S 22 00:00:36,633 --> 00:00:42,266 UNNECESSARY ENVISION OF 23 00:00:38,333 --> 00:00:44,700 PRIVACY. JOIN IS US TO TALK 24 00:00:40,166 --> 00:00:47,200 ABOUT THAT CHICAGO TRIBUNE 25 00:00:42,266 --> 00:00:48,466 REPORTER BECKY YEREK COVERING 26 00:00:44,700 --> 00:00:50,800 THE STORY AND DONE FWRIV 27 00:00:47,200 --> 00:00:51,500 INVICE-PRESIDENT OF PROPERTY 28 00:00:48,466 --> 00:00:52,200 CASUALTY INSURANCE PROPERTY 29 00:00:50,800 --> 00:00:55,900 CASUALTY INSURERS ASSOCIATION 30 00:00:51,500 --> 00:00:59,966 OF AMERICA BASED HERE IN 31 00:00:52,200 --> 00:01:01,500 CHICAGO AND HAROLD CEN TEEN ON 32 00:00:55,900 --> 00:01:02,766 CHICAGO IAA COOL SCHOOL OF LAW. 33 00:00:59,966 --> 00:01:04,333 ON THE PATENT ALLSTATE WAS 34 00:01:01,500 --> 00:01:04,666 FWRAPTED MORE ON WHAT THE 35 00:01:02,766 --> 00:01:05,766 PATENTS WOULD ALLOW ALLSTATE TO 36 00:01:04,333 --> 00:01:07,833 DO. 37 00:01:04,666 --> 00:01:08,266 >> WHAT'S SO INTERESTING ABOUT 38 00:01:05,766 --> 00:01:11,100 THESE PATENTS IT'S REALLY JUST 39 00:01:07,833 --> 00:01:13,866 A FEW THINGS. 40 00:01:08,266 --> 00:01:15,266 FIRST OF ALL THEY GOT ONE IN 41 00:01:11,100 --> 00:01:17,700 JUNE THAT ENVISIONED SELLING 42 00:01:13,866 --> 00:01:19,166 THIS DRIVING DATA TO OTHER 43 00:01:15,266 --> 00:01:20,000 COMPANIES LIKE BANKS, 44 00:01:17,700 --> 00:01:21,800 MARKETERS, HEALTH INSURANCE 45 00:01:19,166 --> 00:01:22,833 COMPANIES. 46 00:01:20,000 --> 00:01:24,300 THEY THINK THIS DATA COULD BE 47 00:01:21,800 --> 00:01:25,900 USEFUL FOR OTHER COMPANIES. 48 00:01:22,833 --> 00:01:27,966 THAT'S ONE ELEMENT OF IT AND 49 00:01:24,300 --> 00:01:28,300 SECOND ELEMENT OF IT THEY'RE 50 00:01:25,900 --> 00:01:30,066 NOT JUST INTERESTED IN HOW YOU 51 00:01:27,966 --> 00:01:30,866 DRIVE. 52 00:01:28,300 --> 00:01:32,166 NOW THEY'RE TALKING ABOUT -- 53 00:01:30,066 --> 00:01:33,966 >> HOW FAST YOU GO. 54 00:01:30,866 --> 00:01:35,500 >> HOW FAST YOU GO. 55 00:01:32,166 --> 00:01:37,133 >> WHETHER YOU SGLAIK WHETHER 56 00:01:33,966 --> 00:01:37,966 YOU BRAKE A LOT OF WHAT TYPE VL 57 00:01:35,500 --> 00:01:39,533 DAY YOU DRIVE. 58 00:01:37,133 --> 00:01:41,566 YOUR MILEAGE. 59 00:01:37,966 --> 00:01:42,300 THAT IS TYPICALLY THE KIND OF 60 00:01:39,533 --> 00:01:44,566 THINGS THEY'VE BEEN INTERESTED 61 00:01:41,566 --> 00:01:47,233 N NOW THEY'RE TALKING ABOUT 62 00:01:42,300 --> 00:01:48,166 GATHERING PHYSIOLOGICAL DATA 63 00:01:44,566 --> 00:01:49,666 LIKE HAVING SENSORS ON STEERING 64 00:01:47,233 --> 00:01:51,366 WHEELS THAT COULD TELL THINGS 65 00:01:48,166 --> 00:01:53,233 ABOUT YOUR HEART RATE. 66 00:01:49,666 --> 00:01:57,400 AND LASTLY, THE THIRD 67 00:01:51,366 --> 00:01:59,400 INTERESTING PART THEY JUST GOT 68 00:01:53,233 --> 00:02:00,300 A PATENT FOR IT WOULD BE 69 00:01:57,400 --> 00:02:00,900 WATCHING OTHER DRIVERS AS WELL 70 00:01:59,400 --> 00:02:02,833 AS STUFF NOT RELATED TOIVE 71 00:02:00,300 --> 00:02:03,333 DR. ING IN THE CAR. 72 00:02:00,900 --> 00:02:04,500 LIKE HOW MANY PASSENGERS ARE 73 00:02:02,833 --> 00:02:05,566 THERE. 74 00:02:03,333 --> 00:02:06,966 ARE THERE KIDS. 75 00:02:04,500 --> 00:02:08,966 ARE YOU EATING? 76 00:02:05,566 --> 00:02:10,733 ARE YOU TALKING ON THE PHONE? 77 00:02:06,966 --> 00:02:12,733 AND HOW ARE PEOPLE AROUND YOU 78 00:02:08,966 --> 00:02:16,666 DRIVING? 79 00:02:10,733 --> 00:02:17,333 ARE THERE PEDESTRIANS? 80 00:02:12,733 --> 00:02:18,666 >> DON GRIFFIN WHY WOULD 81 00:02:16,666 --> 00:02:21,166 ALLSTATE BE INTERESTED IN 82 00:02:17,333 --> 00:02:22,266 GETTING THIS KIND OF DATA THAT 83 00:02:18,666 --> 00:02:23,200 IS NOT JUST TO DO WITH WHO IS 84 00:02:21,166 --> 00:02:24,366 IN THE CAR BUT DRIVERS AROUND 85 00:02:22,266 --> 00:02:25,833 THEM AND SO FORTH. 86 00:02:23,200 --> 00:02:27,733 >> THERE'S A COUPLE REASONS IF 87 00:02:24,366 --> 00:02:29,333 YOU THINK ABOUT T. WE ARE IN A 88 00:02:25,833 --> 00:02:30,833 VERY, VERY COMPETITIVE MARKET 89 00:02:27,733 --> 00:02:33,066 FOR AUTO INSURANCE. 90 00:02:29,333 --> 00:02:34,933 SO COMPANIES ARE TRYING TO 91 00:02:30,833 --> 00:02:36,333 FIGURE OUT HOW THEY CAN BEST 92 00:02:33,066 --> 00:02:36,933 POSITION THEMSELVES AND GET A 93 00:02:34,933 --> 00:02:38,000 LEG UP ON PERHAPS ANOTHER 94 00:02:36,333 --> 00:02:38,466 COMPETITOR. 95 00:02:36,933 --> 00:02:40,466 AND ONE OF THE WAYS TOU DO 96 00:02:38,000 --> 00:02:42,000 THAT. 97 00:02:38,466 --> 00:02:43,433 >> BY THE WAY YOUR ASSOCIATION 98 00:02:40,466 --> 00:02:45,566 REPRESENTS INSURANCE COMPANIES 99 00:02:42,000 --> 00:02:46,500 AND ALLSTATE HAPPENS NOT TO BE 100 00:02:43,433 --> 00:02:47,700 A MEMBER. 101 00:02:45,566 --> 00:02:48,100 >> CORRECT. 102 00:02:46,500 --> 00:02:49,533 >> SO COMPANIES GATHER THIS 103 00:02:47,700 --> 00:02:51,100 DATA. 104 00:02:48,100 --> 00:02:53,100 THERE'S A COUPLE GOOD REASONS. 105 00:02:49,533 --> 00:02:55,133 THINK WANT TO BE ABLE TO OFFER 106 00:02:51,100 --> 00:02:56,600 COMPETITIVE PRODUCT. 107 00:02:53,100 --> 00:02:58,166 ONE OF THE THINGS THEY CAN DO 108 00:02:55,133 --> 00:03:03,333 IS ANYTHING THEY CAN FIND OUT 109 00:02:56,600 --> 00:03:04,500 THAT WOULD HELP GET YOU THE 110 00:02:58,166 --> 00:03:06,466 RIGHT PRICE SO AK TU AIRILY PAY 111 00:03:03,333 --> 00:03:07,266 THE RISK SO YOU'RE NOT PAYING 112 00:03:04,500 --> 00:03:07,666 THE RISK OF SOMEBODY ELSE AND 113 00:03:06,466 --> 00:03:09,433 HOW THEY DRIVE IS GOOD 114 00:03:07,266 --> 00:03:10,900 INFORMATION. 115 00:03:07,666 --> 00:03:11,566 ANYTHING TO IMPROVE THE SAFETY. 116 00:03:09,433 --> 00:03:12,900 IF YOU GOT THREE OR FOUR KIDS 117 00:03:10,900 --> 00:03:14,466 IN THE CAR PERHAPS THEY'RE 118 00:03:11,566 --> 00:03:17,466 CREATING DISTRACTION AND THAT 119 00:03:12,900 --> 00:03:18,500 MAY BE SOMETHING THAT TAIDZ YOU 120 00:03:14,466 --> 00:03:19,566 CAUSES YOU TO TAKE EYES OFF 121 00:03:17,466 --> 00:03:20,466 FOCUS OF DRIVER. 122 00:03:18,500 --> 00:03:22,566 >> I'M SURE THAT DIDN'T HAPPEN 123 00:03:19,566 --> 00:03:22,833 TO A PARENT. 124 00:03:20,466 --> 00:03:23,900 >> OF COURSE NOT, NOT ANY OF 125 00:03:22,566 --> 00:03:24,233 US. 126 00:03:22,833 --> 00:03:27,200 ANYWAY, THERE ARE REASONS TO DO 127 00:03:23,900 --> 00:03:28,533 THAT. 128 00:03:24,233 --> 00:03:30,766 AND THEN, WHAT YOU TRY TO DO IS 129 00:03:27,200 --> 00:03:32,666 FIGURE OUT, ARE THERE BEHAVIORS 130 00:03:28,533 --> 00:03:33,833 THAT YOU CAN CHANGE BY DOING 131 00:03:30,766 --> 00:03:35,200 COLLECTING SOME THIS DATA. 132 00:03:32,666 --> 00:03:37,200 AND WHAT WE'VE LEARNED OVER THE 133 00:03:33,833 --> 00:03:38,333 YEARS IS SOME OF THE DATA 134 00:03:35,200 --> 00:03:39,766 THAT'S BEEN COLLECTED FROM 135 00:03:37,200 --> 00:03:40,800 PEOPLE AS THEY DRIVE. 136 00:03:38,333 --> 00:03:43,366 AND WHEN THEY DRIVE. 137 00:03:39,766 --> 00:03:45,500 AND HOW FAST THEY DRIVE. 138 00:03:40,800 --> 00:03:46,900 IT'S ACTUALLY BEEN USED TO 139 00:03:43,366 --> 00:03:48,933 IMPROVE THE DRIVER'S SAFETY. 140 00:03:45,500 --> 00:03:50,533 PEOPLE HAVE ACTUALLY CHANGED 141 00:03:46,900 --> 00:03:52,900 DRIVING HABITS BECAUSE THEY GET 142 00:03:48,933 --> 00:03:55,100 DISCOUNTS IF THEY ACTUALLY 143 00:03:50,533 --> 00:03:56,533 DRIVE BETTER AND SAFER AND THEN 144 00:03:52,900 --> 00:03:57,833 IT'S ALSO A THING WITH CAR 145 00:03:55,100 --> 00:03:59,633 MANUFACTURERS THEY PRIOR PUT 146 00:03:56,533 --> 00:04:00,166 MORE AND MORE IN CRASH 147 00:03:57,833 --> 00:04:04,800 AVOIDANCE TECHNOLOGY IN THEIR 148 00:03:59,633 --> 00:04:07,433 VEHICLES. 149 00:04:00,166 --> 00:04:10,233 >> LET'S SWITCH TO HAROLD CENT. 150 00:04:04,800 --> 00:04:12,866 PRIVACY CONCERNS HAROLD J. 151 00:04:07,433 --> 00:04:15,866 KRENT, WE'RE TALKING ABOUT NOT 152 00:04:10,233 --> 00:04:18,500 JUST HOW ONE DRIVES, BRAKING, 153 00:04:12,866 --> 00:04:19,866 SWERVEER, BUT PHYSIOLOGICAL 154 00:04:15,866 --> 00:04:20,200 FACTORS LIKE HEAT RATE AND HOW 155 00:04:18,500 --> 00:04:21,933 BLOOD PRESSURE AND THAT SORT OF 156 00:04:19,866 --> 00:04:23,066 THING. 157 00:04:20,200 --> 00:04:24,733 >> FIRST OF ALL, A AGREE WITH 158 00:04:21,933 --> 00:04:25,066 DON THAT TECHNOLOGY CAN BE 159 00:04:23,066 --> 00:04:27,033 HELPFUL IN TERMS OF INCREASING 160 00:04:24,733 --> 00:04:28,533 SAFETY. 161 00:04:25,066 --> 00:04:29,633 AND THAT'S REALLY WHAT ALL 162 00:04:27,033 --> 00:04:32,066 GOOGLE DRIVERLESS CAR IS ALL 163 00:04:28,533 --> 00:04:33,666 ABOUT AND IT'S IMPORTANT IN 164 00:04:29,633 --> 00:04:34,566 TERMS OF TRYING TO PREDICATE 165 00:04:32,066 --> 00:04:35,633 THE RIGHT RISK PROFILE FOR 166 00:04:33,666 --> 00:04:36,666 INDIVIDUAL DRIVER. 167 00:04:34,566 --> 00:04:37,566 SO FAR SO GOOD. 168 00:04:35,633 --> 00:04:40,266 THE QUESTION WHAT WILL BE DONE 169 00:04:36,666 --> 00:04:41,300 WITH THE DATA. 170 00:04:37,566 --> 00:04:42,800 WILL IT BE SOLD AS YOU 171 00:04:40,266 --> 00:04:43,833 SUGGESTED AND BECKY SUGGESTED 172 00:04:41,300 --> 00:04:46,200 TO INSURANCE COMPANIES, HEALTH 173 00:04:42,800 --> 00:04:47,900 INSURANCE COMPANIES OR BANKS. 174 00:04:43,833 --> 00:04:51,300 AND WILL YOU GET THE 175 00:04:46,200 --> 00:04:53,366 INFORMATION OF UNWITNESSING 176 00:04:47,900 --> 00:04:54,900 PASSENGER ALSO INVOLVED IN THIS 177 00:04:51,300 --> 00:04:55,866 DATA COMPILATION AND WHAT ABOUT 178 00:04:53,366 --> 00:04:56,800 BYSTANDER ON THE STREET OR 179 00:04:54,900 --> 00:04:57,433 ABOUT DRIVER IN ANOTHER CAR. 180 00:04:55,866 --> 00:05:00,500 WHAT HAPPENS WITH THAT 181 00:04:56,800 --> 00:05:02,066 INFORMATION. 182 00:04:57,433 --> 00:05:04,033 WHO WILL BE GIVEN TO BE. 183 00:05:00,500 --> 00:05:06,600 PROSPECTIVE EMPLOYERS. 184 00:05:02,066 --> 00:05:07,533 LOOKING AT RISK FACTORS AND NOT 185 00:05:04,033 --> 00:05:08,600 WANT TO HIRE SOMEBODY. 186 00:05:06,600 --> 00:05:10,233 ALL THIS INVOLVED. 187 00:05:07,533 --> 00:05:11,633 ANYBODY THAT USES PATENTS 188 00:05:08,600 --> 00:05:13,733 WHETHER ALLSTATE OR SOMEONE 189 00:05:10,233 --> 00:05:15,766 ELSE SHOULD COME ONE CLEAR 190 00:05:11,633 --> 00:05:17,800 POLICIES ABOUT WHAT IT WILL USE 191 00:05:13,733 --> 00:05:19,900 THE INFORMATION FOR. 192 00:05:15,766 --> 00:05:20,866 IT'S OKAY IF IT'S FOR SAFETY 193 00:05:17,800 --> 00:05:23,866 BUT YOU PACKAGE TO TO HEALTH 194 00:05:19,900 --> 00:05:25,333 INSURANCE COMPANIES I THINK A 195 00:05:20,866 --> 00:05:25,833 LOT OF US WOULD BALK. 196 00:05:23,866 --> 00:05:27,933 >> BECK YES, I LET ME GO TO 197 00:05:25,333 --> 00:05:29,466 BECKY. 198 00:05:25,833 --> 00:05:31,933 DIDN'T THE ALLSTATE CEO SAY 199 00:05:27,933 --> 00:05:33,033 SOMETHING ABOUT OR SUGGEST OR 200 00:05:29,466 --> 00:05:34,466 IMPLY THAT SELLING THIS DATA 201 00:05:31,933 --> 00:05:36,533 MIGHT BE A POSSIBILITY? 202 00:05:33,033 --> 00:05:37,766 >> OH, YEAH THEY SAID THAT A 203 00:05:34,466 --> 00:05:39,666 FEW MONTHS AGO HE WAS AT A 204 00:05:36,533 --> 00:05:42,500 CONFERENCE AND SAYS IT'S SORT 205 00:05:37,766 --> 00:05:45,200 OF THE SAME THING GOOGLE DOES. 206 00:05:39,666 --> 00:05:46,633 AND SO HE FLOATED THIS A FEW 207 00:05:42,500 --> 00:05:49,166 MONTHS AGO WHERE HE SAID WE 208 00:05:45,200 --> 00:05:50,266 MIGHT ENVISION SELLING THIS 209 00:05:46,633 --> 00:05:52,733 DRIVING DATA SOME DAY AND THEN 210 00:05:49,166 --> 00:05:54,300 IN JUNE THEY RECEIVED THIS 211 00:05:50,266 --> 00:05:55,800 PATENTS THAT SORT OF LAYS OUT 212 00:05:52,733 --> 00:05:56,300 THE POTENTIAL OF SELLING THIS 213 00:05:54,300 --> 00:05:56,833 DRIVING DATA TO DIFFERENT 214 00:05:55,800 --> 00:05:59,400 INDUSTRIES. 215 00:05:56,300 --> 00:06:01,900 >> SUCH AS? 216 00:05:56,833 --> 00:06:03,866 >> SUCH AS HEALTH INSURANCE 217 00:05:59,400 --> 00:06:06,000 COMPANIES, BANKS, MARKETING 218 00:06:01,900 --> 00:06:08,500 COMPANIES, THEIR REASONING IS, 219 00:06:03,866 --> 00:06:09,433 WELL, MAYBE IF SOMEBODY IS 220 00:06:06,000 --> 00:06:10,066 AGGRESSIVE DRIVER THEY'LL BE 221 00:06:08,500 --> 00:06:12,100 AGGRESSIVE HOW THEY HANDLE 222 00:06:09,433 --> 00:06:14,600 MONEY. 223 00:06:10,066 --> 00:06:16,066 >> HOW ABOUT THAT, DON GRIFFIN. 224 00:06:12,100 --> 00:06:19,266 YOU HEAR CONCERNS. 225 00:06:14,600 --> 00:06:20,800 THEY SEEM LEGITIMATE. 226 00:06:16,066 --> 00:06:21,500 >> YES, YOU KNOW SOCIETY HAS TO 227 00:06:19,266 --> 00:06:23,733 DECIDE AND COME ONE WHAT THE 228 00:06:20,800 --> 00:06:24,633 BALANCE SHOULD BE BETWEEN HOW 229 00:06:21,500 --> 00:06:26,200 MUCH DATA IS OUT THERE AND WHAT 230 00:06:23,733 --> 00:06:28,733 CAN BE DONE WITH IT. 231 00:06:24,633 --> 00:06:29,800 AND THE COMPANIES THAT ARE 232 00:06:26,200 --> 00:06:31,366 INVOLVED WOULD NEED TO DISCLOSE 233 00:06:28,733 --> 00:06:32,933 TO THE POLICY HOLDER OR 234 00:06:29,800 --> 00:06:33,866 POTENTIAL PURCHASER OF THIS 235 00:06:31,366 --> 00:06:36,333 TYPE OF PRODUCT THAT THEY'RE 236 00:06:32,933 --> 00:06:36,933 ACTUALLY GOING TO BE COLLECTING 237 00:06:33,866 --> 00:06:37,966 THAT DATA AND AS HAROLD TALKED 238 00:06:36,333 --> 00:06:39,933 ABOUT. 239 00:06:36,933 --> 00:06:41,533 >> GOOGLE DOES THAT TOO. 240 00:06:37,966 --> 00:06:41,900 >> AND HOW THEY ACTUALLY -- 241 00:06:39,933 --> 00:06:43,466 >> SEVERAL PAGES OF FINE PRINT. 242 00:06:41,533 --> 00:06:45,666 >> RIGHT. 243 00:06:41,900 --> 00:06:47,800 >> AND I THINK A LOT OF PEOPLE 244 00:06:43,466 --> 00:06:49,266 ARE SIGNED UP FOR GOOGLE OR G 245 00:06:45,666 --> 00:06:51,100 MAIL PROBABLY DON'T READ IT. 246 00:06:47,800 --> 00:06:52,100 >> NOT AS MUCH AS THEY SHOULD. 247 00:06:49,266 --> 00:06:54,133 THE DISCLOSURE WOULD HAVE TO BE 248 00:06:51,100 --> 00:06:57,233 HERE AND PEOPLE WOULD NEED TO 249 00:06:52,100 --> 00:07:00,233 BE AWARE THIS IS WHAT THE DATA 250 00:06:54,133 --> 00:07:03,833 IS USED FOR AND SELLING OF IT 251 00:06:57,233 --> 00:07:05,900 TO OTHER ENTITIES THAT GOVRPD 252 00:07:00,233 --> 00:07:08,400 BY SHARING THIRD PARTIES AND BY 253 00:07:03,833 --> 00:07:11,000 GRIM REACH BLUELY A FEDERAL LAW 254 00:07:05,900 --> 00:07:12,466 AND YOU CAN ONLY DO THAT IN 255 00:07:08,400 --> 00:07:13,533 CERTAIN CIRCUMSTANCES AND IT 256 00:07:11,000 --> 00:07:14,433 HAS TO BE KNOWN AHEAD OF TIME 257 00:07:12,466 --> 00:07:15,266 AND FOLKS HAVE TO BE AER WHAT 258 00:07:13,533 --> 00:07:17,500 OF IT AND THE OTHER PIECE IS 259 00:07:14,433 --> 00:07:18,666 WHEN YOU GET TO THE PEOPLE 260 00:07:15,266 --> 00:07:21,633 AROUND THE CAR, YOU KNOW, ONE 261 00:07:17,500 --> 00:07:23,033 OF THE THINGS THAT WOULD BE 262 00:07:18,666 --> 00:07:25,100 HELPFUL AS FAR AS SAFETY AND 263 00:07:21,633 --> 00:07:26,700 THEN AGAIN YOU HAVE TO BE VERY 264 00:07:23,033 --> 00:07:28,133 CLEAR ON HOW IT WOULD DIVIDE 265 00:07:25,100 --> 00:07:30,833 OUT AND WHO WOULD GET DATA WIN 266 00:07:26,700 --> 00:07:31,433 BUT ONE OF THE THINGS TO HELP 267 00:07:28,133 --> 00:07:31,800 IMPROVE SAFETY IS TO SEE WHAT 268 00:07:30,833 --> 00:07:35,200 ACTUALLY HAPPENED IN THE 269 00:07:31,433 --> 00:07:36,800 ACCIDENT. 270 00:07:31,800 --> 00:07:39,300 AND IF THE CAMERAS PART OF THE 271 00:07:35,200 --> 00:07:40,866 CAR CAN ACTUALLY SHOW THAT AND 272 00:07:36,800 --> 00:07:42,466 THAT DATA CAN BE USED WITH THE 273 00:07:39,300 --> 00:07:44,400 OWNER'S PERMISSION AND PEOPLE 274 00:07:40,866 --> 00:07:47,400 INVOLVED IN THE ACCIDENT THEN 275 00:07:42,466 --> 00:07:49,433 THAT MIGHT GO A LOT FURTHER TO 276 00:07:44,400 --> 00:07:50,933 HELPING SOLVE THE CIRCUMSTANCES 277 00:07:47,400 --> 00:07:53,500 OF THE ACCIDENT AND PAYING FOR 278 00:07:49,433 --> 00:07:55,500 THE CLAIM. 279 00:07:50,933 --> 00:07:57,466 >> BECAUSE BECKY THE PATENT NOT 280 00:07:53,500 --> 00:07:59,100 JUST PERCEIVES THE POSSIBILITY 281 00:07:55,500 --> 00:07:59,600 OF SENSORS ON STEERING WHEEL 282 00:07:57,466 --> 00:08:01,800 AND SO FORTH AND ALSO CAMERAS 283 00:07:59,100 --> 00:08:02,866 AS WELL. 284 00:07:59,600 --> 00:08:04,766 >> CAMERAS AND ALSO AUDIO. 285 00:08:01,800 --> 00:08:06,733 SO IF YOU WERE HAVING A REALLY 286 00:08:02,866 --> 00:08:09,266 ANIMATED DISCUSSION OR IF I 287 00:08:04,766 --> 00:08:09,600 WERE PLAYING THE STEREO VERY 288 00:08:06,733 --> 00:08:10,933 CLOUDY THE PATENT DOES MENTION 289 00:08:09,266 --> 00:08:13,400 AUDIO. 290 00:08:09,600 --> 00:08:15,433 >> WHO CAN GET ACCESS THOSE 291 00:08:10,933 --> 00:08:15,833 CONVERSATIONS THAT YOU'RE 292 00:08:13,400 --> 00:08:17,466 TAKING PLACE RIGHT AND THAT'S 293 00:08:15,433 --> 00:08:19,500 DIFFICULTY. 294 00:08:15,833 --> 00:08:20,900 WE DON'T WANT PEOPLE LISTENING 295 00:08:17,466 --> 00:08:22,433 IN SAYING WHAT WERE YOU DOING 296 00:08:19,500 --> 00:08:24,533 ON KHETFIELD DRIVE WHAT WERE 297 00:08:20,900 --> 00:08:26,066 YOU TALKING ABOUT AND SAY TO 298 00:08:22,433 --> 00:08:27,633 YOUR KIDS OR SAY TO YOUR 299 00:08:24,533 --> 00:08:28,566 PARTNER OR WIFE. 300 00:08:26,066 --> 00:08:29,600 LET'S -- ALLSTATE ISSUED A 301 00:08:27,633 --> 00:08:31,066 STATEMENT LET'S TAKE A LOOK 302 00:08:28,566 --> 00:08:32,600 WHAT THE THEY SAID. 303 00:08:29,600 --> 00:08:34,666 AS PART OF ALLSTATE'S 304 00:08:31,066 --> 00:08:37,766 COMMITMENT TO LEVERAGE 305 00:08:32,600 --> 00:08:39,133 INNOVATIONS TO IMPROVE DRIVER 306 00:08:34,666 --> 00:08:42,266 SAFETY WE FILED THIS PATENT FOR 307 00:08:37,766 --> 00:08:44,833 PROSPECTIVE PATENT AWARENESS 308 00:08:39,133 --> 00:08:47,833 TECHNOLOGY SA FEW YEARS AGO. 309 00:08:42,266 --> 00:08:49,400 IT WOULD PROVIDE DRIVERS WITH 310 00:08:44,833 --> 00:08:50,900 TRAFFIC AND EXTERNAL FACTORS TO 311 00:08:47,833 --> 00:08:51,900 HELP THEM DRIVE SAVE. 312 00:08:49,400 --> 00:08:53,966 HAROLD J. KRENT ALL THIS IS 313 00:08:50,900 --> 00:08:54,900 VOLUNTARY. 314 00:08:51,900 --> 00:08:56,933 A DRIVER WOULD HAVE TO SAY, 315 00:08:53,966 --> 00:08:58,533 YES, I AGREE TO THIS. 316 00:08:54,900 --> 00:08:59,733 AND EXCHANGE FOR MAYBE BETTER 317 00:08:56,933 --> 00:09:01,566 RATES AND SO FORTH. 318 00:08:58,533 --> 00:09:03,600 IF IT'S VOLUNTARY AND YOU'RE 319 00:08:59,733 --> 00:09:04,100 CONSENTING TO THE SENSORS AND 320 00:09:01,566 --> 00:09:05,600 CAMERAS AND SO FORTH WHAT'S THE 321 00:09:03,600 --> 00:09:07,266 PROBLEM. 322 00:09:04,100 --> 00:09:09,166 >> NOT VOLUNTARY WITH PASSENGER 323 00:09:05,600 --> 00:09:10,233 AND NOT VOLUNTARY WITH 324 00:09:07,266 --> 00:09:12,066 BYSTANDERS AND NOT VOLUNTARY 325 00:09:09,166 --> 00:09:12,433 WITH DRIVERS OF CARS THAT 326 00:09:10,233 --> 00:09:14,066 HAPPEN TO CROSS THE PATH OF THE 327 00:09:12,066 --> 00:09:14,366 INSURED. 328 00:09:12,433 --> 00:09:16,433 THAT'S THE THE DIFFICULTY. 329 00:09:14,066 --> 00:09:17,866 RIGHT? 330 00:09:14,366 --> 00:09:19,966 ONE CAN GIVEAWAY ONE'S OWN 331 00:09:16,433 --> 00:09:21,800 PRIVACY WHETHER YOU GET A TEE 332 00:09:17,866 --> 00:09:22,900 SHIRT AT A SPORTS FESTIVAL OR 333 00:09:19,966 --> 00:09:24,433 IT'S HARD TO GIVEAWAY SOMEBODY 334 00:09:21,800 --> 00:09:26,400 ELSE'S PRIVACY. THAT'S THE 335 00:09:22,900 --> 00:09:27,966 DANGER INNERNT THIS PARTICULAR 336 00:09:24,433 --> 00:09:29,033 PATENTS THAT THEY HAVE TO BE 337 00:09:26,400 --> 00:09:31,966 CAREFUL FOR WHOEVER 338 00:09:27,966 --> 00:09:33,066 OPERATIONALIZE IT'S. 339 00:09:29,033 --> 00:09:36,000 >> DON GRIFFIN GIVE ME EXAMPLE 340 00:09:31,966 --> 00:09:37,100 OF INCENTIVES. 341 00:09:33,066 --> 00:09:41,066 SOME PROGRAMS ALREADY EXIST. 342 00:09:36,000 --> 00:09:42,333 WHAT EXISTS RIGHT NOW IN TERMS 343 00:09:37,100 --> 00:09:43,833 OF WHAT SLURNS COMPANIES CAN 344 00:09:41,066 --> 00:09:46,233 GATHER WITH DRIVER'S CONSENT. 345 00:09:42,333 --> 00:09:46,633 >> WITH DRIVER'S CONSENT 346 00:09:43,833 --> 00:09:47,800 THEY'RE GATHERING USAGE BASED 347 00:09:46,233 --> 00:09:48,800 DATA NOW. 348 00:09:46,633 --> 00:09:53,300 >> WHAT DOES THAT MEAN. 349 00:09:47,800 --> 00:09:55,366 >> WHEN YOU DRIVE, WHERE YOU 350 00:09:48,800 --> 00:09:56,900 DRIVE, HOW FAST, WHAT TIME OF 351 00:09:53,300 --> 00:09:57,833 DAY AND WHETHER YOU'RE 352 00:09:55,366 --> 00:09:59,866 EXCEEDING THE SPEED LIMIT, 353 00:09:56,900 --> 00:10:02,766 WHETHER YOU'RE BRAKING HARD OR 354 00:09:57,833 --> 00:10:04,866 SWERVING AS BECKY TALKED ABOUT 355 00:09:59,866 --> 00:10:06,933 AND SO THE DISCOUNTS FROM THAT 356 00:10:02,766 --> 00:10:08,066 CAN GET YOU 10 TO 30% OR MORE. 357 00:10:04,866 --> 00:10:11,033 >> SO THEY CAN BE SIGNIFICANT. 358 00:10:06,933 --> 00:10:12,533 >> YES THEY CAN. 359 00:10:08,066 --> 00:10:15,100 AND IDEA BEHIND THAT IS TO HELP 360 00:10:11,033 --> 00:10:16,566 THEM GET A BETTER PICTURE AND 361 00:10:12,533 --> 00:10:18,466 CHARGE YOU A BETTER RATE BISSED 362 00:10:15,100 --> 00:10:20,066 ON HOW YOU DRIVE. 363 00:10:16,566 --> 00:10:23,200 BECAUSE THOSE ARE INDIVIDUALS 364 00:10:18,466 --> 00:10:24,233 RISK FACTORS YOU V AND SO 365 00:10:20,066 --> 00:10:25,600 COMPANIES HAVE STARTED TO 366 00:10:23,200 --> 00:10:29,466 TAYLOR THESE PRODUCTS AND 367 00:10:24,233 --> 00:10:31,333 THAT'S WHAT WE'LL SEE MORE OF 368 00:10:25,600 --> 00:10:34,233 AS WE USE DATA IN THE INDUSTRY 369 00:10:29,466 --> 00:10:35,900 TO THE EXTENT WE'RE ALLOWED TO 370 00:10:31,333 --> 00:10:36,733 TO AVOID PRIVACY ISSUES WE WILL 371 00:10:34,233 --> 00:10:39,833 PROBABLY SEE A LOT MORE 372 00:10:35,900 --> 00:10:41,033 DEVELOPMENT OF THIS KIND OF 373 00:10:36,733 --> 00:10:43,000 PRODUCT THROUGHOUT THE INDUSTRY 374 00:10:39,833 --> 00:10:43,900 BECAUSE AGAIN EVERYBODY IS OUT 375 00:10:41,033 --> 00:10:45,966 THERE FOR COMPETING FOR THE 376 00:10:43,000 --> 00:10:49,066 CUSTOMER. 377 00:10:43,900 --> 00:10:51,133 >> DON GRIFFIN LET ME ASK YOU 378 00:10:45,966 --> 00:10:54,500 THIS YOU CITE EXAMPLES SOMEBODY 379 00:10:49,066 --> 00:10:54,800 IS DRIVING GOOD DON'T SWERVE, 380 00:10:51,133 --> 00:10:55,766 BREAK BRAKE, SO FORTH RAETS GO 381 00:10:54,500 --> 00:10:56,200 DOWN. 382 00:10:54,800 --> 00:10:58,600 >> IS REVERSE TRUE. 383 00:10:55,766 --> 00:10:59,166 >> ABSOLUTELY. 384 00:10:56,200 --> 00:11:00,833 >> AND THAT'S WHY THEY TRY TO 385 00:10:58,600 --> 00:11:03,266 DO. 386 00:10:59,166 --> 00:11:05,366 THEY USE THAT INFORMATION TO 387 00:11:00,833 --> 00:11:07,333 HELP IMPROVE THOSE DRIVERS THAT 388 00:11:03,266 --> 00:11:07,833 MAY HAVE SOME ADVERSE ACTIONS 389 00:11:05,366 --> 00:11:10,500 THAT THEY'VE TAKEN AND HOW THEY 390 00:11:07,333 --> 00:11:14,500 DRIVE. 391 00:11:07,833 --> 00:11:17,033 >> AND BECKY, MY UNDERSTANDING, 392 00:11:10,500 --> 00:11:18,533 THERE'S BEEN CONCERNS ABOUT THE 393 00:11:14,500 --> 00:11:21,166 DEGREE TO WHICH SOMEONE CAN 394 00:11:17,033 --> 00:11:21,500 ACTUALLY GIVE CONSENT FOR THEIR 395 00:11:18,533 --> 00:11:22,233 OWN PERSON AS OPPOSED TO 396 00:11:21,166 --> 00:11:24,600 OTHERS. 397 00:11:21,500 --> 00:11:27,133 WHAT IS THE ARGUMENT THERE IN 398 00:11:22,233 --> 00:11:30,300 TERMS OF WHETHER OR NOT THESE 399 00:11:24,600 --> 00:11:30,633 INCENTIVES ARE SO STRONG THAT 400 00:11:27,133 --> 00:11:31,266 ONE DOESN'T REALLY HAVE 401 00:11:30,300 --> 00:11:33,233 CONSENT. 402 00:11:30,633 --> 00:11:34,166 YOU CAN AMPLIFY ON THAT? 403 00:11:31,266 --> 00:11:36,666 >> IT MAY BE WHAT A LOT OF US 404 00:11:33,233 --> 00:11:38,766 FACE WHEN WE HAVE TO SIGN 405 00:11:34,166 --> 00:11:40,333 SOMETHING SAYING TO USE THIS 406 00:11:36,666 --> 00:11:41,733 SERVICE YOU HAVE TO CONSENT TO 407 00:11:38,766 --> 00:11:44,766 X, Y, Z. 408 00:11:40,333 --> 00:11:48,333 SO REALLY IT DOES BECOME KINDS 409 00:11:41,733 --> 00:11:48,800 OF COERCIVE. 410 00:11:44,766 --> 00:11:51,433 AND SO I MEAN WE DON'T REALLY 411 00:11:48,333 --> 00:11:54,933 KNOW. 412 00:11:48,800 --> 00:11:56,966 >> HAROLD, GEOFF ME EXAMPLE OF 413 00:11:51,433 --> 00:11:57,633 WORST CASE SCENARIO SAY 414 00:11:54,933 --> 00:11:59,533 SOMEBODY IS GATHERING 415 00:11:56,966 --> 00:12:02,166 INFORMATION ON DRIVER AND 416 00:11:57,633 --> 00:12:04,233 MEASURING BLOOD PRESSURE AND 417 00:11:59,533 --> 00:12:06,100 HER HEART RATE AND SO FORTH AND 418 00:12:02,166 --> 00:12:07,300 CAMERAS ALL AROUND AN THAT SORT 419 00:12:04,233 --> 00:12:07,633 OF THING, GIVE ME AN EXAMPLE OF 420 00:12:06,100 --> 00:12:09,166 SOMETHING BAD THAT COULD HAPPEN 421 00:12:07,300 --> 00:12:10,500 YOU. 422 00:12:07,633 --> 00:12:12,700 >> CLEARLY KNOW WE'VE SEEN THIS 423 00:12:09,166 --> 00:12:14,900 ALL AROUND SOMEBODY COULD HACK 424 00:12:10,500 --> 00:12:15,733 INTO THAT DATABASE AND POST ALL 425 00:12:12,700 --> 00:12:17,733 PERSONAL CHARACTERISTICS FOR 426 00:12:14,900 --> 00:12:19,433 ANYBODY TO SEE AND NOBODY 427 00:12:15,733 --> 00:12:22,833 WHANTS TO KNOW THEIR BLOOD 428 00:12:17,733 --> 00:12:23,333 ALCOHOL LEFT OR HEART RATE OR 429 00:12:19,433 --> 00:12:24,433 BLOOD PRESSURE FOR ANYBODY TO 430 00:12:22,833 --> 00:12:26,000 LOOK AT. 431 00:12:23,333 --> 00:12:29,033 THAT'S ONE ISSUE. 432 00:12:24,433 --> 00:12:29,966 EVEN MORE IMPORTANT I THINK IS 433 00:12:26,000 --> 00:12:32,400 QUESTION OF YOU DON'T WANT 434 00:12:29,033 --> 00:12:34,700 PRIVATE CONVERSATIONS S OR ANY 435 00:12:29,966 --> 00:12:36,066 KIND OF PRIVATE CONDUCT WITH 436 00:12:32,400 --> 00:12:38,600 KIDS IN CAR OR NOT TO BE 437 00:12:34,700 --> 00:12:39,266 SUBJECT TO ANY KIND OF SECOND 438 00:12:36,066 --> 00:12:41,700 GETTING BY YOUR EMPLOYER OR 439 00:12:38,600 --> 00:12:42,633 HEALTH INSURANCE COMPANY AND 440 00:12:39,266 --> 00:12:46,300 NOT TO MENTION JUST AN 441 00:12:41,700 --> 00:12:46,900 INTERESTED NEIGHBOR. 442 00:12:42,633 --> 00:12:50,666 >> HOW ABOUT THE WHOLE ISSUE OF 443 00:12:46,300 --> 00:12:51,433 THE CONVERSATIONS BEING 444 00:12:46,900 --> 00:12:52,866 RECORDED, HOW WOULD ONE PROTECT 445 00:12:50,666 --> 00:12:54,666 THAT FROM BEING ABUSED. 446 00:12:51,433 --> 00:12:56,566 >> I THINK THAT'S A KEY PIECE 447 00:12:52,866 --> 00:12:58,533 OF IT HOW YOU WOULD STRUCTURE 448 00:12:54,666 --> 00:12:59,433 THE POLICY SO THATLE ONLY THING 449 00:12:56,566 --> 00:13:00,433 THAT WOULD PROBABLY BE USED IN 450 00:12:58,533 --> 00:13:00,933 THAT PARTICULAR INSTANCE WOULD 451 00:12:59,433 --> 00:13:02,966 BE IF THERE WAS AN ACCIDENT 452 00:13:00,433 --> 00:13:04,566 LATER. 453 00:13:00,933 --> 00:13:05,900 AND SO IF YOU -- IF THERE WAS 454 00:13:02,966 --> 00:13:08,000 SOMETHING GOING ON IN THE CAR 455 00:13:04,566 --> 00:13:10,133 AND THAT CAUSED SOMEBODY TO 456 00:13:05,900 --> 00:13:11,166 TURN THEIR HEAD PERHAPS AND 457 00:13:08,000 --> 00:13:13,066 SPEAK TO A CHILD AND THAT TAKES 458 00:13:10,133 --> 00:13:14,033 YOUR EYES OFF THE ROAD, THAT'S 459 00:13:11,166 --> 00:13:16,000 SOMETHING THAT PROBABLY THE 460 00:13:13,066 --> 00:13:16,333 INDUSTRY WOULD HOPE THAT WE 461 00:13:14,033 --> 00:13:17,800 WOULD BE ABLE TO USE AT SOME 462 00:13:16,000 --> 00:13:19,133 POINT. 463 00:13:16,333 --> 00:13:22,733 >> HOW DO YOU MAKE THE PITCH TO 464 00:13:17,800 --> 00:13:24,300 CONSUME THERZ IS AGOOD THING? 465 00:13:19,133 --> 00:13:25,300 >> THE WHOLE IDEA BEHIND IS IS 466 00:13:22,733 --> 00:13:27,800 TO GETS THE CONSUME ARE A 467 00:13:24,300 --> 00:13:28,866 BETTER PRICE AND GET THEM TO 468 00:13:25,300 --> 00:13:30,800 PAY WHAT THEY THINK THEY SHOULD 469 00:13:27,800 --> 00:13:31,900 FOR THE RISK THAT THEY PRESENT 470 00:13:28,866 --> 00:13:33,466 TO THE INSURANCE COMPANY. 471 00:13:30,800 --> 00:13:35,300 AND NO MORE THAN THAT. 472 00:13:31,900 --> 00:13:36,966 >> IS IT POSSIBLE THE ONLY 473 00:13:33,466 --> 00:13:38,666 PEOPLE GOING TO VOLUNTEER FOR 474 00:13:35,300 --> 00:13:41,000 THIS ARE THE LARGEST GROUP ARE 475 00:13:36,966 --> 00:13:42,466 PEOPLE WHO ARE GOOD DRIVERS AND 476 00:13:38,666 --> 00:13:43,066 PEOPLE WHO ARE ERRATIC DRIVERS 477 00:13:41,000 --> 00:13:44,100 MAY SA NO THANK SFWLU THAT MAY 478 00:13:42,466 --> 00:13:45,600 BE THE CASE. 479 00:13:43,066 --> 00:13:46,600 AND THAT'S ONE OF THE THINGS. 480 00:13:44,100 --> 00:13:48,666 AS YOU POINTED OUT, PEOPLE HAVE 481 00:13:45,600 --> 00:13:51,666 THE CHOICE. 482 00:13:46,600 --> 00:13:53,100 AND THEY HAVE THE OPPORTUNITY 483 00:13:48,666 --> 00:13:54,200 TO BUY FROM A COMPANY OR NOT 484 00:13:51,666 --> 00:13:55,766 DEPENDING WHERE TO BUY THIS 485 00:13:53,100 --> 00:13:56,233 PARTICULAR PRODUCT BECAUSE THE 486 00:13:54,200 --> 00:13:58,266 COMPANY MAY HAVE OTHER PRODUCTS 487 00:13:55,766 --> 00:14:01,333 THAT THEY USE.