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Your car is secretly spying on you and driving your insurance rates through the roof
Posted on 3/14/24 at 8:23 am
Posted on 3/14/24 at 8:23 am
It will soon be time to go the Cuba route and drive old cars until you can no longer find parts
LINK
quote:
Drivers of cars manufactured by General Motors, Ford, Honda and other popular brands say that their insurance rates went up after the companies sent data about their driving behavior to issuers without their knowledge.
Kenn Dahl, 65, is a Seattle-area businessman who told The New York Times that his car insurance costs soared by 21% in 2022 after GM’s OnStar Smart Driver computerized system installed in his Chevy Bolt collected information about the particulars of his driving habits.
Dahl said that his insurance agent told him the price increase was based on data collected by LexisNexis, which compiled a report tracking each and every time he and his wife drove their Chevy Bolt over a six-month period.
According to Dahl, the 258-page report contained information about the start and end times of his trips, distance driven and other data detailing possible instances of speeding, hard braking and sharp accelerations.
The report contained information about one particular trip in June which lasted 18 minutes and spanned 7.33 miles
During that same trip, the LexisNexis report recorded two instances of rapid acceleration and two incidents of hard braking.
The LexisNexis report indicated that the details it had cobbled together were gleaned from the OnStar Smart Driver, the GM-owned subscription service that records driver information such as total miles driven, hard braking incident and other aspects of driver behavior.
According to its web site, OnStar Smart Driver “provides driving insights on how you can become a smarter, safer driver” while enabling users to “earn badges by completing challenges, build on streaks specific to different driving habits and view all your data in an intuitive dashboard.”
“It felt like a betrayal,” Dahl said. “They’re taking information that I didn’t realize was going to be shared and screwing with our insurance.”
It’s not just electric vehicle owners who are complaining.
A Cadillac driver based in Palm Beach County, Fla., told the Times that he is considering a lawsuit against GM after he was denied car insurance by seven different companies in December.
He said he is planning to sell his Cadillac and that he will never buy another GM-made car again.
The decision was based on a LexisNexis report which detailed six months of his driving behavior, including numerous instances of hard braking, hard accelerating and speeding.
“I don’t know the definition of hard brake. My passenger’s head isn’t hitting the dash,” the unnamed Cadillac driver, who like Dahl was enrolled in the OnStar Smart Driver subscription service, told the Times.
“Same with acceleration. I’m not peeling out. I’m not sure how the car defines that. I don’t feel I’m driving aggressively or dangerously.”
GM, whose portfolio of brands includes Chevy, GMC, Cadillac and Buick, isn’t the only car company that is gathering data through internet connectivity and then providing it to insurance companies.
Subaru, Mitsubishi, Honda, Kia and Hyundai also offer drivers the option of turning on similar features without them being aware that the data is being sold to brokers similar to LexisNexis.
Verisk said it has accessed driver data from millions of vehicles including those made by Ford, Honda and Hyundai.
A Ford spokesperson told the Times that the company “does not transmit any connected vehicle data to either partner” — a reference to Verisk and LexisNexis.
Ford will only share driver behavior data with an insurance company if the driver give explicit consent via an in-vehicle touch screen.
Kia, Mitsubishi, Hyundai, Honda and Acura enable drivers to turn off data collection relating to on-road behavior in their apps.
LINK
This post was edited on 3/14/24 at 3:14 pm
Posted on 3/14/24 at 8:25 am to stout
This explains how my agent knew I'd been jacking off on the interstate.
Posted on 3/14/24 at 8:25 am to stout
I believe this only happens if you agree to use the tech that can report it, so if you get a GM product, just don't pay for Onstar. Someone can correct me, but I think that is the gist.
Posted on 3/14/24 at 8:27 am to OysterPoBoy
quote:
This explains how my agent knew I'd been jacking off on the interstate
Is that why you show up with only one sock on?
Posted on 3/14/24 at 8:28 am to SlowFlowPro
When you can’t possibly know the full cost of a product, that market can’t possibly be efficient
Regardless of whether there is an opt-in/opt-out feature, this is a market failure, through and through
Regardless of whether there is an opt-in/opt-out feature, this is a market failure, through and through
Posted on 3/14/24 at 8:28 am to stout
No, it is the unlicensed drivers of altimas and chargers and the soccer moms who drive in the left lane that are driving up my rates. Oh and shout out to the plaintiffs bar and Gordon et al.
This post was edited on 3/14/24 at 8:36 am
Posted on 3/14/24 at 8:29 am to stout
Again? This seems to happen a lot
Posted on 3/14/24 at 8:29 am to funnystuff
quote:
When you can’t possibly know the full cost of a product, that market can’t possibly be efficient
Regardless of whether there is an opt-in/opt-out feature, this is a market failure, through and through
Almost nothing about government-mandated services involves a free market.
Posted on 3/14/24 at 8:29 am to stout
I don't see the Hellcat drivers bitching about this.
Posted on 3/14/24 at 8:30 am to stout
This does seem like complete BS and very arbitrary from the insurance company's POV. What if I break hard because a stroller rolled into the street? Does that make me a bad driver worthy of price hikes?
My main issue is that the report specifically pointed out a singular 18 minute trip. A person has one bad day or is running late once and its evidence they are always a bad driver?
My main issue is that the report specifically pointed out a singular 18 minute trip. A person has one bad day or is running late once and its evidence they are always a bad driver?
Posted on 3/14/24 at 8:31 am to stout
That’s why I drive a Ram.
This post was edited on 3/14/24 at 8:32 am
Posted on 3/14/24 at 8:31 am to stout
I've known for years that my car is spying on me but what worries me now is that my TOASTER is spying on me.
Posted on 3/14/24 at 8:32 am to Champagne
quote:
but what worries me now is that my TOASTER is spying on me.
Posted on 3/14/24 at 8:34 am to stout
Sirius XM is a big culprit of this as well. They hide it as "marketing data" and package and sell it. There was a thread and report about it from the Mozilla Corp about privacy and vehicles.
It's also hard and sometimes impossible to opt out.
It's also hard and sometimes impossible to opt out.
Posted on 3/14/24 at 8:34 am to Champagne
quote:
I've known for years that my car is spying on me but what worries me now is that my TOASTER is spying on me.
My toilet has wifi and an app. Do you think Toto has a report of my bowel movements?
Posted on 3/14/24 at 8:34 am to SlowFlowPro
And just a few minutes ago, my electric shaver told me that the Saints are going to win the Super Bowl next season.
Posted on 3/14/24 at 8:36 am to stout
Injury attorneys are the main reason for insurance cost increases. I hope I can win the La Lottery one day (ie get bumped by a WalMarks truck).
Posted on 3/14/24 at 8:37 am to OysterPoBoy
quote:
This explains how my agent knew I'd been jacking off on the interstate.
It was one time
Posted on 3/14/24 at 8:41 am to stout
Are you saying that my Toilet is spying on me, too?
Well, shite.
Well, shite.
Posted on 3/14/24 at 8:43 am to chinhoyang
quote:
don't see the Hellcat drivers bitching about this.
You have to have insurance for insurance rates to matter
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