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dcawrey
dcawrey
1/15/2017 12:56:58 PM
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IoT Mover & Shaker
Re: Great informative piece
I'm not sure lighting control is all that important. Sure, I guess if you have a huge house with a ridiculous power bill then it might make some sense to have some advanced controls. However, I'm not sure this stuf is really great for consumers yet - lighting really seems more like a business application. 

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DHagar
DHagar
1/13/2017 7:54:26 PM
User Rank
IoT Visionary
Re: Great informative piece
@vnewman, good point.  That makes sense to me; that would make them view it as "intrusive".  Where millennials and younger parents are comfortable with being connected, I believe they will view it as a natural connection and see it more positively.

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vnewman
vnewman
1/13/2017 7:46:50 PM
User Rank
IoT Mover & Shaker
Re: Great informative piece
@DHagar - I agree regarding the child wearables but am surprised that it is not the norm yet.  It makes me wonder if parents think it is too over-the-top still?  Perhaps because they did not grow up with that extreme level of surveillance? 

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DHagar
DHagar
1/12/2017 9:35:04 PM
User Rank
IoT Visionary
Re: Great informative piece
@Content85815 - I believe you are correct that autonomous self-driving cars and/or features will have a great impact on the insurance industry.  It might be that as these devices evolve there will be discounts for risk-reducing applications.  This may work, particularly when/where the automated functions have a better safety record.

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DHagar
DHagar
1/12/2017 9:31:20 PM
User Rank
IoT Visionary
Re: Great informative piece
@vnewman - well there is a good use!  That makes sense to actually reflect the driving skills and habits as opposed to the risk.  The more we add data (making things smart) the better decisions made will reflect reality.

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DHagar
DHagar
1/12/2017 9:28:40 PM
User Rank
IoT Visionary
Re: Great informative piece
@Ariella, great examples.  That makes real practical sense. 

I can see that market growing - particularly with monitoring and/or alerts for child safety.  I share with you - that market growth will drive a reduction in price for consumer use - then it will become a regular in the marketplace as opposed to a novelty.

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ContentD85815
ContentD85815
1/12/2017 8:18:38 PM
User Rank
IoT Novice
Re: Great informative piece
Right. Usage-based insurance is now billed as a money-saving option for good drivers. Over time though, it might become the status quo. Bad drivers, as well as those who choose to opt out of using such technology, might wind up paying more for insurance.

Of course, the advent of self-driving cars is another wrinkle in this discussion. We'll have to see how things shake out and if people ultimately end up embracing the concept of giving up control to a car to a robot. If so, it could mean more radical changes for the insurance industry.  

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vnewman
vnewman
1/12/2017 6:26:57 PM
User Rank
IoT Mover & Shaker
Re: Great informative piece
@ContentD85815 - Although not mandated, many insurance companies are currently "offering" such devices that plug into the car's diagnostic port.  

The selling point is your insurance premium should be based on your driving habits, not just where you live or how many miles you travel.

Progressive's "Snapshot device is an example that "collects information about how you drive, how much you drive and when you drive."

 

One interesting thing of note is the following statement: "some devices collect location data: this is only for research and development purposes—we don't use it to calculate your rate."

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Ariella
Ariella
1/12/2017 2:47:14 PM
User Rank
IoT Visionary
Re: Great informative piece
@Dhagar Indeed, wearables also work for the very young, particularly to keep track of children.  In fact, there are quite a number of kid-friendly and brightly colored wearables to choose from for parents who want to be sure they can reach their kid and know where s/he is even if s/he is not carrying a phone.  A number of them are described here http://www.wareable.com/internet-of-things/the-best-kids-trackers.   I'd predict that the prices will come down on devices like this in the near future. 

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DHagar
DHagar
1/10/2017 9:56:24 PM
User Rank
IoT Visionary
Re: Great informative piece
@Ariella, great information - thanks!

I think these examples are excellent and practical real applications.

The medical applications I believe are uniquely valuable to the seniors living in their homes - I think this will drive the markets forward.

The other key consumer value will be the "safety" alerts in leak alerts.

These valuable contributions should truly advance the markets.

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