LEGAL
CLARE IRVINE, ESQ. Government affairs counsel, PIA Northeast
The UBI question: Privacy versus savings Almost everyone has shopped online in the last decade. Even those who manage to resist the lure of two-day delivery probably have priced appliances or scouted sales on various websites before purchasing the items at a physical store. This means they have been bombarded with advertisements for those same products as they navigate news sites, social media and email. As an insurance and government affairs attorney, it is likely that I have seen every insurance advertisement marketed to people in the region (probably pinpointed to the nine-digit ZIP code). Online advertisements are targeted because people are willing to let websites track their activity to better sell products. You have probably clicked the “accept all” button when a pop-up window informs you that the website uses cookies to enhance user experience. What is this enhanced user experience? It is better advertisements for products we just searched for or, based on our browsing
history. The debate over the usage of customer data has erupted in recent years and has become unavoidable— just like certain advertisements for products on Instagram that are eerily similar to what you just looked for on Amazon. We know that we are being tracked—according to the ads I see, my profile tells companies that I read a lot about insurance, and I have been shopping for a new coat.
What happens when this theory is applied to insurance? Specifically,
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