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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 8:29 am to stout
Again? This seems to happen a lot
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 8:34 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 8:36 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 8:50 am to stout
I have had state farm, and progressive, and gieco devices in my vehicle when insured with each. Monitoring cornering, braking, acceleration, speeding, and hand phone use....
I hated it until it changed my thinking and improved my driving habits...
Gives discounts for higher scores.
I hated it until it changed my thinking and improved my driving habits...
Gives discounts for higher scores.
Posted on 3/14/24 at 8:52 am to stout
I wonder if there are enough older daily drivers that will make the government and insurance companies try to eliminate them. No CPU and no cell phone crimps their tracking efforts.
Posted on 3/14/24 at 9:00 am to stout
I do this voluntarily to get discounts.
Posted on 3/14/24 at 9:04 am to stout
State Farm is pushing this nonsense and saying that if you use it your rates will be lower. There is no way on God's green earth that I would voluntarily allow them to catalog driving data on anyone in my family and all of my cars are older so as of now, they cannot. I know its coming for everyone at some point, but man this is really shitty in a long line of shittiness
Posted on 3/14/24 at 9:04 am to stout
quote:That's not what the link you posted says.
secretly spying
The car owners paid for a subscription service which monitors and reports their driving habits.
Cancel the service and problem solved, right?
Posted on 3/14/24 at 9:09 am to stout
quote:
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.
There is definitely more to the story than a few hard brakes, hard accelerations, and speeding here.
Posted on 3/14/24 at 9:22 am to stout
Not mine. 2011 Dodge Dakota truck. The only upgrade is leather seats.
Posted on 3/14/24 at 9:35 am to stout
quote:
t will soon be time to go the Cuba route and drive old cars until you can no longer find parts
Wouldn’t do you any good as insurance companies are starting to require drivers to give permission for the company to track their driving habits via their cellphone
Posted on 3/14/24 at 10:01 am to stout
I report the information to my insurance company, and it actually lowered my insurance by quite a bit. I work from home and my wife only works 3 miles from home, so we don't put a ton of miles on our vehicles. We also don't drive like assholes, so it works in our favor.
Posted on 3/14/24 at 10:24 am to stout
We need laws making data owned by the customer not by the companies collecting the data. Specific and clear permissions need to be given and able to retract that permission without penalty.
This kind of thing has been going on for over a decade now, and customers are being held hostage. It's only going to get worse as cars, thermostats, vacuums, appliances, etc etc get more and more IoT and telematic capabilities in them.
This kind of thing has been going on for over a decade now, and customers are being held hostage. It's only going to get worse as cars, thermostats, vacuums, appliances, etc etc get more and more IoT and telematic capabilities in them.
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