Cheaper Car Insurance For Gamers
I know your first reaction is that this story is gonna be an ad, but
SpuriousLogic's story is actually about insurers considering giving a discount to elderly gamers. The question is: does gaming improve mental agility and make you a safer driver? And if so, I'll have to add gaming to mowing the lawn for my weekly chores.
ad? As in advertisement? I'm pretty sure you mean add!
Spelling Nazi Strikes Again!!!
...as elderly gamers probably spend very little time in their cars.
You can't just say "gaming." Playing GTA or a racing games might improve your driving and first person shooters might improve your reaction time but puzzle games or solitaire won't do anything for you.
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All my years of FreeCell and Minesweeper will not have been in vain.
When our name is on the back of your car, we're behind you all the way!
So this appears to be for older drivers (50+) only. I suspect we shouldn't jump to the same conclusions about younger drivers, because I'm not totally confident that Grand Theft Auto, or the Battlefield series will really make better drivers. Perhaps more aggressive ones, for better or worse. :-P
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Hey code monkey... learn electronics! Powerful microcontroller kits for the digital generation.
The question is, does gaming improve mental agility and make you a safer driver.
That's the wrong question. A more correct question would be "Is there a correlation between gaming and driving ability?"
It could very well be the there is no causal relationship between the two, but rather they share a common cause. Perhaps those without sufficient mental acuity/coordination to drive also lack the "mad skillz" needed for gaming, and thus they don't find games to be enjoyable and therefore don't play.
TFA says "over 50". Who are you calling "elderly", you young whippersnapper? I may be a geezer, but my parents are elderly. I bet I could drink you under the table, Taco! You're only as old as you can convince yourself you're not.
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15 minutes will save his life (and that of others as well). So easy an old man can do it. GEICO!
slashdot rocks
I'm not sure I'd be giving insurance breaks to someone who excels in a game about carjacking and that gives bonus points for spectacular wrecks.
=)
Chas - The one, the only.
THANK GOD!!!
My brother was in an accident maybe 5 years ago or so. He was in his jeep on a 2 way road. A car was coming towards him and the driver was drunk. Right at the last moment the car swerved into my brothers lane. My brother was able to react and turn hard enough to allow the car to hit the back side of his jeep instead of the drivers side.
He said his reaction time from playing video games was what helped him, and he really does believe that. I don't blame him nor do I doubt him. I always thought I had a higher reaction time as a result of video games, and I'm sure a study on this has been done to prove it.
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So, you'll get an insurance discount for playing games, like, Grand Theft Auto? That makes sense...
I know it goes against the norm, but I actually read the article. It clearly states that the drivers in this program must play a very specific game designed to improve visual alertness. So if you thought that Allstate (the "insurers" in this article) was going to give discounts to WOW players, think again.
Heavy pron users should get discounts on Viagra as well, because ...well you know.
You probably don't have a life, so you can drive less? World or Warcraft should give you an 80% discount on your car insurance, heck it could cover the monthly fee. I see synergy.
Depends on both the game and the gamer
I'm 25, and that's old in the gaming world (but only half to a third the age of the age group from TFA). I'll never forget the conference where Nintendo introduced Mario Cart Wii, and said, "This isn't your dad's mario cart from 15 years ago." Boy was that ever an eye opener for me!
Also, there are certain games/simulators which can be educational. For example, driving GTR Evolution using a good force-feedback steering wheel, along with your buddy Jack (Jim or Jose work too), can be quite educational -- especially with a few friends online doing the same thing. ^_^ Although we laughed hysterically, the game/simulator seriously reinforced the fact that we'd never be so dumb in real life. While trying to poke a little fun here, I guess I'm trying to say that there's a number of ways games could be used in increasing driving skills and awareness overall (like getting people to run a time in a simulator and then have them run another lap while trying to change songs on their iPod, talk on the phone, read the daily funnies, and put on makeup). It would be cool to see some incentive for simulated practice and skill sharpening.
This, however does not apply to elderly gamers still living in their parent's basement!
Shouldn't they know WHICH game is being played?
I hate being bipolar; it's awesome!
Since I started playing Trackmania, I've started trying to improve my time from home to work...
While I agree that gaming may help reflexes I disagree that it has an inherent benefit on driving. Driving demands good decision-making and experience. What does it help to have quick reactions if you make poor decisions or over-react?
I've known guys who played games extensively and were crap drivers. All that gaming didn't keep them from getting into accidents anyway. I doubt statistics would support the notion that the rise of gaming has had an positive impact on reducing accidents.
Then there's the video online where some dumb kid and his friends play Initial D in the arcade and then decide to go out for a spin in their car. It doesn't take to long before this kid wrecks his car. Young people are already delusional enough about their driving abilities they don't need anyone making it worse.
Older drivers, on the other hand, will ideally have commonsense and experience on their side. So for them, gaming may have a positive impact because they'll actually be able to put improved reflexes to good use.
These are the same aholes that think that texting or phoning while driving can be done safely.
Does Carmageddon count?
If you quote this signature there'll be 72 copies of Windows ME waiting for you in Heaven.
and my rates went up!
He may wanna go out and get a copy of GTA for the insurance discount. I hear he's looking to save money after being disbarred.
Sig Follows: "Suppose you were an idiot. And suppose you were a member of Congress. But I repeat myself." -- Mark Twain
There is a correlation between performance in visual tasks and the amount of time people have been playing action video games. The initial study has shown that action-video-game (AVG, e.g. Unreal Tournament, other ego-shooters) players perform significantly better in a range of visual attention tasks than non-AVG players. In later studies it has been shown that this increased performance is not observed for people who do play games that are not of the AVG-genre (e.g. The Sims), and also that 50h of game playing of AVG games is sufficient to observe a significant performance increase in visual tasks. Currently, the same lab is investigating whether this effect is also observed in the elderly, with positive initial results. For more information, just have a look at the lab's list of publications (disclaimer: I'm in the same department as that lab, though not member of that lab).
In relation to the article, they seem to recommend the people to play games of the non-AVG type. For this reason I have my doubts that these games will significantly improve performance in visual tasks. On the other hand, it might support other tasks that are required while driving, but that remains to be shown.
hey, if it keeps grandpa from having an accident, let the actuaries go at it and find out how much they should save.
"Did you make it level 48 yet of BloodWars III, Willibur? No... but I saved a ton on my car insurance."
bad Japanese monster movies.
I read the headline as "Cheaper Car Insurance For Gamera ".
I guess Godzilla and Mothra have to pay more.
Fascism starts when the efficiency of the government becomes more important than the rights of the people.
*ring ring* Hey Dan?
Its Joe. I got some good news and bad news.
The bad news is i just smoked a pedestrian with your car, cuz i had a GTA flashback.
But the good news is a just saved a bunch of money on my car insurance by switching to Geico.
Go go Gadget Nailgun!
"While I agree that gaming may help reflexes I disagree that it has an inherent benefit on driving. "
Especially when dealing with curves.
Shai Schticks:"You don't make peace with friends, you make peace with enemies"
I was thinking of this guy actually:
http://hamptonroads.com/2008/09/johnson-wins-edwards-hits-wall-purpose
Quote:
"I planned on hitting the wall, but I didn't plan on the wall slowing me down that much," Edwards said. "In video games, you can just run into the wall and run it wide open. That's what I did, but it didn't quite work out the same as the video game."
So the are saying gamers don't drive as much, since they stay home playing games all the time, and therefore their insurance rates are cheaper?
I'm 65, and have spinal arthritis. There are mornings when I get up, and everything is normal, and mornings when I'm not functional. The problem sometimes is making sure how functional I am before I try to do anything, especially operating machinery or driving. I've found that playing a computer game before I do much else is a really good indicator of how well I am functioning. I also get the impression that playing the game for a while seems to improve my functionality. I don't consider this hard proof of anything. I do think it may be an indicator that there is something to this idea. It may merit serious research.
Sidewalks *do* affect driving.
Video games on the market today certainly don't help with driving, but it's not hard to imagine a game that would. Suppose you had a driving simulator that was realistic, but malicious: every 10-15 minutes, it modifies the world or the behavior of the other drivers to put you in an emergency situation. Pedestrians walk in front your car, drivers cross into opposing traffic, brakes fail, and so on. Your score is how long you can survive. *That* would make people better drivers, but I've never heard of such a game on the market.
That teaches people that the left lane is for passing.
It is more dangerous for people to be holding traffic back than to just let them pass you. Not to mention the road rage that usually ensues with people wanting to go faster than the person holding traffic back.
Somehow I really doubt that playing Final Fantasy XI increases my thinking speed.
look like health packs, you have been gaming too much.
Also, even tho the other drivers are like the guys in Test Drive, you can't bump them out of the way...
Truth isn't Truth - Guliani
Thats the general conclusion in sports and I think for cognitive skills too. If I want to improve my Chinese I read more Chinese etc. Learing more languages helps in over all language learning, but not substantially for a specific language.
Said elderly insurance patrons favorite game is Grand Theft Auto?
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Pricing insurance does not, in itself, require a complete (or even partial) understanding of the cause-and-effect relationship between a rating variable and exposure to loss. The insurer (i.e., actuary) need only demonstrate that [1] inclusion of the variable in the rating plan results in a model more predictive of loss than without it; [2] it is verifiable; and [3] the variable is not "unfairly discriminatory"--that is, its use in risk classification is allowed by regulators. In truth, many other issues do come into play but these are the primary factors that the actuary considers when researching a new rating variable.
To the extent that a correlation or causation is hypothesized or believed known, the actuary seeks to confirm it with historical data.
The personal insurance market is very competitive. Insurers will try to develop the most accurate rating plan possible because they want to avoid adverse selection. Thus pricing actuaries do keep on the lookout (especially in bad underwriting cycles such as the one we're in right now) for more sophisticated ways to classify risks in their book, and if it is determined that elderly drivers who play games are a better risk than elderly drivers who do not play games, then a discount is actuarially justified and its use may provide a competitive advantage.
Of course, that doesn't mean an insurer would actually use that variable, as one has to consider whether it can even be reliably known whether an individual is a gamer. What does that mean? You play more than N hours a day? You own a game console? How do you confirm this during the underwriting process? Does it drop off if the insured stops playing? Do they qualify if the grandson is the actual gamer in the household but the insured only plays very occasionally?
To give you an example of how important verifiability is, note that in personal auto, the generally accepted exposure base is car-years, although mileage would be more predictive (think of it: two cars bought on 1/1/2000, one driver drives 40,000 miles/year, the other drives only 1,000 miles/year--which one has more exposure to loss?). The problem with using mileage as the exposure base is that it varies from year to year for a given insured, and is hard to confirm. Your agents aren't going to ask every last one of their policyholders to check their odometer, and even if they did, what is the chance they'll be honest if they know their premiums are directly tied to the result?
That's why I don't put too much stock in this proposed classification--it doesn't seem that it would be sufficiently predictive of loss to justify using it, and moreover, it would be a pain to verify, for the reasons stated above.
Did they take into account Grand Theft Auto?
A lifetime of playing GTA should actually make your insurance go up in price, well, at least if you were to ask Jack Thompson anyway.
Don't worry, The insurance companies will just find another way to screw their customers.
Let me get this straight...an insurance company is spending money on research to find out if this is true, so they can save people money?
What kind of insurance comapny is this?
Your linking to arstechnica for a study? Try something better next time.
That 'study' was done by BSM. What is BSM? why, it's a driving school that gets money from parents of new drivers.
Now they ahve a 'study' to scare parents into paying for their course becasue those pesky videos games have turned them into driving maniacs.
I suggest using pubmed.org.
The Kruger Dunning explains most post on
Until they offer a 10% discount if you can beat your agent at Starcraft. 20% if your agent is Korean.
Check the nice example on youtube puit up by the Open University for something like this
http://uk.youtube.com/watch?v=wg96RSsrXk0&feature=related
What psychologists call inattentional blindness - focussing too hard on one thing and being blind to the obvious elsewhere. It's how magicians carry out their misdirection tricks.
About 2/3rds of the drivers I see on the road are from WA. 1/4 are from Oregon and the rest are a random state or Canadian.
On I-5, and I don't care if its at 4 AM or 2 PM. Except due to an emergency you are going to be driving 10-15 over the speed limit on I-5.
I almost always go over the speed limit. Usually just 5-10 miles per hour. I have people tailgate me because I'm not going fast enough here.
Mind you, going fast is not a problem. The highway was originally designed for 75-80 mph of speed. The limit was knocked down due to new legislation during the Clinton era. Depending on the population of towns on the off/on ramps the speed gets lowered down.
As it stands, most of the time the police do not pull you over for speeding if you are going 5-10 over. Any more than that and they will but they usually let you off very lightly for it unless you give them a hard time.
Country roads are similar. The only exception is in towns/cities. Everyone here seems to go the speed limit once in town. Through traffic in neighborhoods are usually jackasses or punk kids who go 5-10 over even despite children playing.
And I mean *everyone* does this. The VAST minority whenever I'm on the road is going the speed limit, let alone under it. And believe me, if you are going noticibly slower than EVERYONE around you you are the hazard.
In WA the police can pull you over for going over or under the speed limit by 10+ mph. They usually don't if you're 10 under but they can.
Also, the way speed limits are assigned in WA works like this unless something overrides it: What is the fastest speed a driver can go without having to be hypersensitive to his surroundings?
It is easy in nice weather to go over the speed limit and remain in control with no danger to others if you know what you are doing on most of the roads here. Not everyone is that good of a driver though and shouldn't.
Take Padden Parkway for example of this though. This is a vital road now, but it didn't exist a few years ago. It was made for 50-55 MPH. Some people go 40. The road's gradient is working against you at that speed but they do it anyways. Its designed so emergency vehicles can go 80 with ease.
So it depends where you live. I see 1-2 people speed in towns here. On the highway I see maybe 5 people in 30 minutes of highway travel going the speed limit.
Mod me down for not being tottaly scientific, but this is what I experience daily. Speed or move over. This isn't as bad as Montana, but most people have to drive 30-50 miles (usually more) to get to work.
Oh and Oregon sucks to drive in. Their highways are not in good shape and the 55 speed limit for the same road design takes some adjusting. Particularly with oregonians still going 70 when i go through.
that only play Carmageddon?
The real question is, How do you demonstrate that you are a gamer to the insurance company?
"Is there a correlation between gaming and driving ability?"
Yes... As referenced here.
He's managed to do it without crashing and killing the entire busload of passengers so far, so pr0ps to his mad skillzZzzz, though I do hope he realizes that there's no respawning when (and not if) he does. (Would you offer him a cheaper rate for car insurance?)
(Disclaimer: I do not condone driving and driving. In fact, I think the said driver is irresponsible and insane.)
Most games are done on 2 dimensional world and the real driving is three dimensional world. Games may improve some mental function like reflexes but not necessarily cognitive skills required in driving. Driving take a fair amount cognitive skills since the environment is moving and changes. Also the vehicle is also a changing device since load, tire type & wear and other internal factors will change how does vehicle reacts to it environment. Games create a "set" world of limited environmental settings so these games will only help in some of these.
I remember once my buddy slipped on the salt on the Don Valley Parkway during Winter. We felt the back swinging and there were cars coming at us at 100km/h+, somehow he manages to save it in a few moves with no training whatsoever.
For the next 30 seconds, nobody spoke in the car. Then he said, shiet, that was EXACTLY like sega rally.
If it wasn't for that, we'd probably pinball.
...she was all excited...then I threw out the elderly comment...her response. "So your insurance is going to drop huh Dad." I love my kids...
Joe Investor