LexisNexis, which generates consumer risk profiles for the insurers, knew about every trip G.M. drivers had taken in their cars, including when they sped, braked too hard or accelerated rapidly.
Kenn Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident.
So Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.
LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.
What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.
On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.
Comprehensive privacy law time? Nahh just ban the Chinese EVs and pretend this doesn't happen. Same thing as tiktok. You'll never be protected as long as they can point to the Chinese boogyman.
"Sharing" is a funny way to word a headline. They are selling it, for a profit, because it's legal. It's immoral and shady as hell, but "prevent it or expect it" applies here.
Last time I drove a rental car I was constantly aware that it was probably tracking everything I did, sending that data back to its owners, who would then sell it on to data brokers and insurance companies and whoever else wanted it.
It was sort of tolerable on a temporary basis, until I got to driving along a road where the speed limit had recently changed. The car helpfully displayed what it thought the speed limit was, and suddenly I had to choose between driving safely and driving according to what the computers presumably wanted to see.
Drivers of the world, do not let your cars have Internet access. No good can come of it.
We need to start poisoning this data. I don’t think the solution is to cut the wires, I think it’s to send bogus data. Just make it so that no matter how I drive, the data is always overwritten that I traveled 5 miles at 30mph average with no hard stops and no hard accelerations. I only ever make that trip. Wanna base my insurance off that? Go for it.
Anyways I lack the technical ability to do this, but wonder if some enterprising person could hack the obd to constantly overwrite the data here.
Again I want to poison this data. It should be illegal, but it’s not. Companies will charge me more if I block it. So the solution is data poisoning imo.
Incidentally we need to be poisoning ALL data brokers and collectors for these types of things.
I still have my 2010 Mazda 3. The only tech it has is Bluetooth connectivity for phone and music and some voice commands for calls.
The day I will change cars will be the day my car completely dies and there's nothing I can do about it, or it becomes illegal to drive, or it gets wrecked in an accident.
I don't ever want the new cars. I hate hate hate the stupid touch tablets they've put to control everything instead of physical knobs, and now this fucking crap where your car spies on you and rats you out to you insurance company.
My auto insurance rose 27% this year. My cars sit in a locked garage 20ft away from me practically all week long as I work from home. I was shocked to find my rates rose so high as I barely even drive at all anymore. Their solution was for me to get their data collection puck. What a fucking racket!
It would seem that I'm going to be driving old cars until I die. I also like manual instruments and gauges that make sense. I don't need to watch Netflix rolling along at 70mph. Before anyone schools me on my carbon footprint, I get 37mpg and a tank lasts me about a month.
Kinda like those who choose to be in the Progressive Insurance "Snapshot" program where you install an OBD2 dongle that reports a lot of data about your driving habits back to Progressive in the dim chance you drive so well that they will lower your rates.
Louis Rossman has more than one video on the topic of newer cars that are basically always connected to the internet and all of the data harvesting they do. Here's one
Moving from 64 to 65 also moves you to a different age bracket, I would guess that this is the main reason he saw a general rise on his insurance cost from all the other insurance companies.
meanwhile I have to pre fill out some forms so the sherrif office can track it if its stolen. It cracks me up how the government getting things is a big deal but corpos then no worries.
Is that the whole text of the article? (paywall) Was there any investigation as to the source of the data on the report? As this is a leased vehicle, I would not be surprised if the data came from a dealer module that they use to immobilize and locate the vehicle if you miss a payment or otherwise violate your lease.
According to the report, the trip details had been provided by General Motors
Am I the only one who doesn't find this surprising. All these big car companies making drivable spyware and who would probably want that data? Insurance companies. This is why my first car I'm gonna tear out the modem.
I work in fintech and I had glimpses of raw API data that credit agencies, Mastercard and LexisNexis provide (among others). It's crazy detailed. Even just our query increases the query count by one and provides at least ten data points on the why and when.
I'm not surprised that the car manufacturers are selling this data to LexisNexis who in turn sell it to insurance companies.