Regulatory and sociological resistance to new market-driven technologies, particularly to those that rely on collection and analysis of personal data, is prevalent even in cases where the technology creates large social value and saves lives. This article is a case study of such tragic technology resistance, focusing on tracking devices in cars which allow auto insurers to monitor how policyholders drive and adjust the premiums accordingly. Growing empirical work reveals that such “usage-based insurance” induces safer driving, reducing fatal accidents by almost one third, and resulting in more affordable and fair premiums. Yet, California prohibits this technology and other states limit its effectiveness, largely in the interest of privacy protection. The article evaluates the justifications fueling the restrictive regulation vis-à-vis the loss of lives resulting from this regulation. It concludes that the social benefits of the tracking technology dramatically outweigh the privacy and related costs.

中文翻译：

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隐私保护，要付出什么代价？探索汽车保险中数据技术的监管阻力

即使在技术创造巨大社会价值并拯救生命的情况下，监管和社会学对新的市场驱动技术的抵制也很普遍，特别是那些依赖于个人数据收集和分析的技术。本文是这种悲惨的技术阻力的案例研究，重点关注汽车中的跟踪设备，这些设备允许汽车保险公司监控保单持有人的驾驶方式并相应地调整保费。越来越多的实证研究表明，这种“基于使用的保险”可以提高驾驶安全性，将致命事故减少近三分之一，并带来更实惠、更公平的保费。然而，加州禁止这项技术，其他州则限制其有效性，主要是出于隐私保护的考虑。本文评估了推动限制性监管的理由以及该监管造成的生命损失。结论是，跟踪技术的社会效益远远超过了隐私和相关成本。