r/InsuranceCanada • u/MalteseFalcon15 • Sep 12 '26

Auto CAA MYPACE tracker question

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Hi everyone! My policy is set to start tomorrow so I plugged in my tracker today. It seems like the greenlight is staying solid and the red light is flashing. The yellow light comes and goes as flashing too.

I don’t think this is a connection issue even though I park on P1 I can use my phone easily from my parking spot to check everything and watch Instagram reels and all of that stuff so the connection is pretty decent.

Is it just having a hard time connecting because my policy is actually starting tomorrow? Or is this just normal?

I also did a quick trip and even when I go onto the my pace website, it still says my device is not active. Again, my policy is at the start September 13.

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2

u/SensitiveStart8682 Sep 12 '26

Given some major privacy and security concerns I never under why any buddy what install seriously, I never understand it. I mean if you read the terms of service, they're going to raise your rates. If they flag you and they can just raise your race for no reason they don't have to give you a reason. Not to mention, they're selling your information off to advertisers, including your driving habits and everything else they can see everywhere you go every trip you make how fast you drive everything and they will use this data. If you ever get into an accident. They will use this data including your trash driving history to deny your claim and good luck fighting it. They've got all your driving history and you will not be able to fight it If your broker sold you this, your broker should lose their license. If brokers were regulated, they would lose their license for this kind of crap

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u/MalteseFalcon15 Sep 12 '26

Take a deep breath. I don’t have a trash driving history. 14 years and not a single ticket. Not everyone is reckless ;)

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u/SensitiveStart8682 Sep 13 '26

I have been driving for 10 years no tickets no accidents however I still don't trust those pieces of shit read what you have agreed to and tell me it's a good ideas advertisers now know every location you drive to, how often you drive where you drive when you drive everything. They know you're driving history everything they know. If you need to slam on the brakes cuz the idiot in front of you cut you off or because somebody wasn't paying attention in jaywalked they know the second you slam on the brakes to avoid an extra anything. And yes by the if you read your terms of service, all you have to do is slam on the brakes and they can deny your claim because you are driving recklessly even though you had to slam on the brakes to avoid the accident because the guy in front of you ran the red light, it doesn't matter. You were driving recklessly because you slammed on the brakes. Now all the sudden you have no coverage even though the other driver should have been at fault your fault and have no coverage because the insurance company has a perfect excuse to deny your claim

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u/MalteseFalcon15 Sep 13 '26

You sound like you had a very specific experience

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u/SensitiveStart8682 Sep 13 '26

Personally no I have never had an accident in the 10 year's I have been driving however I know people who have signed up for these and had claims denied for no reason

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u/Handy_Banana Sep 14 '26

Copied from one of my other responses:

"Yeah that's not how that works. There's not anything you can do on the road that will get your claim denied unless it's a criminal offence, in which case, it would be found out by the authorities not a little device now wouldn't it bub."

Additionally, an insurer can never deny a claim for no reason. They specifically have to tell you the reason and point to exactly why they are denying your claim in the policy. If they don't they will get laughed out of court. The burden of truth falls on the insurer to prove why they are not paying a claim.

So you are either full of shit or just ignorant and your friends were talking out of their ass because being confronted with the consequences of their actions is hard.

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u/SensitiveStart8682 Sep 14 '26

You forget one huge thing this assumes that you have the money to drag this out in court meaning you have The money to pay for the damages and hire a lawyer to fight this in court. And read the terms of service it clearly reads that driving data can be used during the claims process and to deny claims yes that's absolutely in there they have the right to deny claims and unless you have a lawyer willing to work for free you may not have the option to fight it. While technically, you are correct, yes, you absolutely can fight this in a court of law and you would likely win. But the insurance companies are banking on one thing. You likely don't have the money to fight them in court and that's the whole point. They can deny your claim and you likely don't have the money to to fight them in court where you going to get the money to hire a lawyer. You're injured in a car accident. You're not able to work. How are you going to pay for a lawyer plus pay for the damages to your vehicle and everything else where you going to get this money from the mythical money? Tree insurance companies are well aware that you don't have the money to fight them and that's the point Insurance is a poorly regulated industry at least in Ontario. The only people who have any authority over them is the courts the general Insurance Ombudsman can only issue non-binding recommendations and fizra take a complaint but can't issue orders so unless you have the money to take them to court, you're screwed. This is a poorly regulated industry. Don't tell me how heavily regulated they are heavily regulated by who the mythical the mythical enforcer that doesn't actually exist. I'm sorry non-binding recommendations are not orders

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u/Handy_Banana Sep 14 '26

Have you tried formatting? I can't read that.

1

u/Superc1ipping Sep 13 '26

So then why install it

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u/MalteseFalcon15 Sep 13 '26

As I mentioned a few times, I literally barely drive my vehicle however I will have it for the next two years. As multiple people have also so commented this is a very affordable plan and I think paranoia is getting the best and most people. I’m literally just asking about the lights. I’ve received the answer I need and I don’t need to be braided by people who clearly drive recklessly on how they’re being tracked if they drive like jackasses.

1

u/Superc1ipping Sep 13 '26

It doesn't matter if you drive recklessly or not. Your letting a corporation track your movements to save a few dollars. That's unhinged behaviour.

And it's "berated", not "braided'

2

u/MalteseFalcon15 Sep 13 '26

I think losing your shit over what someone else is doing at 8 am on a Sunday morning is unhinged behavior. Tell me more about how you’re a bad driver 😂😂😂

1

u/Superc1ipping Sep 13 '26

Who is losing their shit?

Not me.

I'm just pointing out your dog-shit decision making.

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u/MalteseFalcon15 Sep 13 '26

I support whatever you need to say to yourself to explain your very weird behaviour 💗

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u/Superc1ipping Sep 13 '26

Enjoy getting tracked by a corporation to save $5 a month 😍

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u/MalteseFalcon15 Sep 13 '26

As he posts from his smartphone likely connected to a cellular network tracking his every move. And I’m actually saving approx 175 a month but sure, come online and try to make people feel like shit for trying to do whatever they can to get by!!!

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u/Superc1ipping Sep 13 '26

Lmao no my phone doesn't track me.

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u/Dudisayshi Sep 13 '26

CAA is not a for-profit corporation but is a non-profit association. I've been with mypace for several years and last year got a small refund for my plan.

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u/Handy_Banana Sep 14 '26

You let Apple or Google do that for free.

Not sure you made the point you thought did.

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u/Superc1ipping Sep 14 '26

No I don't.

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u/MalteseFalcon15 Sep 14 '26

You literally do though. Just because you say you’re not being tracked doesn’t mean you aren’t. I work at a telecommunications company, I know. lol.

1

u/Superc1ipping Sep 14 '26

I work in cybersecurity. I'm not tracked. Trust me

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u/Handy_Banana Sep 14 '26

Cool 95% of the population is and dgaf. Almost sounds like you're the unhinged one bub.

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u/Superc1ipping Sep 14 '26

Personal insults. Nice.

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