Under Surveillance: How Automakers Sell Your Driving Data to Insurers

by AutoExpert   |  15 March, 2024

Share :

This report from the New York Times is straight-up bonkers. Automakers are basically handing over all our driving data to insurance companies, who then use it to jack up our rates. Like, what the actual heck?

Here's How It Works (And Why It Sucks Big Time)

See, this guy in Seattle noticed his insurance went way up. When he asked around, he found out his driving was being tracked crazy closely – every trip, the speed, even how hard he braked. Turns out General Motors was sharing all that data with this company called LexisNexis, who then sold it to insurers. This guy felt totally blindsided.

driving data

It's Not Just Him, This is a Thing

Insurance companies used to have to, like, put trackers on your car or get you to use some cheesy app to monitor you. Now all they gotta do is sweet talk the automaker. We're the ones paying for the car, but they're making deals off our data, all to charge us more.

Driving Data

Welcome to Connected Car Hell

This is the tip of the iceberg. We've been hearing about in-car cameras being the next way to track you, and they're ALREADY using car sensors for this stuff. Seriously, are we just guinea pigs, or what?

So What the Heck is Consent, Anyway?

The worst part? We're not really being asked. These companies bury this data sharing in long agreements nobody reads, or tie it to some 'safety' feature. It's pretty messed up. Even when you do sign up for stuff, they don't always tell you what's really happening with your info.

Driving Data

It Gets Even Creepier

GM is the big villain in this story, but it's bigger than them. Some guy took his Corvette to the track (you know, where you're SUPPOSED to go fast) and his insurance spiked after. Apparently, it doesn't matter where or how you drive, they're watching.

What Can We Even Do?

For now, you either drive an older car without all the tech or become super paranoid about every feature you turn on. Read the fine print, refuse the "safety" add-ons... it's a pain.

Driving Data

Real change only happens when enough of us get angry. Some states are cracking down, some politicians are getting involved. There's hope, but this is gonna be a long fight.

Recomended:

Your Car Promised 80 Miles of Fuel. Ten Miles Later, Half of Them Had Vanished - Photo
Others
Your Car Promised 80 Miles of Fuel. Ten Miles Later, Half of Them Had Vanished

The fuel light comes on. The dashboard says 80 miles to empty. The next gas station is 35 miles away, so there should be no problem. Ten miles later, the display reads 54.Nothing has leaked out. N

AutoExpert
Your Seat Belt Moves Freely Until You Tug It. Here Is What Happens Inside - Photo
Others
Your Seat Belt Moves Freely Until You Tug It. Here Is What Happens Inside

Pull a seat belt slowly and it follows without complaint. Lean forward to adjust the radio and it gives you room. Tug it sharply, and the belt becomes rigid before moving another inch. Nothing el

AutoExpert
Your Key Fob Is Dead, but Your Car May Still Unlock and Start Normally - Photo
Video
Your Key Fob Is Dead, but Your Car May Still Unlock and Start Normally

The key fob worked perfectly that morning. A few hours later, it has apparently decided that opening the car is no longer part of its job. The unlock button does nothing. The door handle ignores

AutoExpert
Why Is “Objects in Mirror Are Closer Than They Appear” Printed on Only One Mirror? - Photo
Tips & Tricks
Why Is “Objects in Mirror Are Closer Than They Appear” Printed on Only One Mirror?

It may be the most famous sentence ever permanently printed on a car. “Objects in mirror are closer than they appear.” The wording has turned up in films, songs and countless jokes, but it

AutoExpert
Those Black Dots Around Your Windshield Have Been Hiding Several Important Jobs - Photo
Others
Those Black Dots Around Your Windshield Have Been Hiding Several Important Jobs

They run around the edge of almost every modern windshield: a solid black border that gradually breaks into smaller and smaller dots before disappearing into clear glass.Most drivers have stared t

AutoExpert
Your Tire Pressure Rose on the Highway. Put the Gauge Down Before Letting Air Out - Photo
Tips & Tricks
Your Tire Pressure Rose on the Highway. Put the Gauge Down Before Letting Air Out

The sticker inside the driver’s door says 35 PSI. After an hour on the highway, the dashboard says 39. Four extra pounds of pressure sounds like a problem. The tires were set correctly that morn

AutoExpert
Your Fresh Engine Oil Turned Black Already. Should You Be Worried? - Photo
Others
Your Fresh Engine Oil Turned Black Already. Should You Be Worried?

Fresh motor oil is reassuring stuff. It pours from the bottle in a clear amber stream, looking clean enough to belong in a kitchen rather than an engine.A few hundred miles later, the dipstick can

AutoExpert
Land Rover Is Selling Two Range Rovers Together, and You Can't Buy Just One - Photo
Car News
Land Rover Is Selling Two Range Rovers Together, and You Can't Buy Just One

Buying a new flagship Range Rover usually means leaving the dealership with one SUV. Land Rover has a different idea. At this year's Monterey Car Week, the company is offering its latest Range Rov

AutoExpert
Forget the Revuelto SV: Japan Got Something Even More Exclusive - Photo
Car News
Forget the Revuelto SV: Japan Got Something Even More Exclusive

Twenty-five years in Japan deserved something special. Lamborghini's answer is the Revuelto Impavido, a limited-edition model that celebrates the milestone with a design inspired by traditional Ja

AutoExpert
Nissan Unveils The Leaf Nismo, But There's One Big Surprise - Photo
Car News
Nissan Unveils The Leaf Nismo, But There's One Big Surprise

Nismo models are normally about extra performance, but the Leaf takes a different route. Rather than increasing power, Nissan concentrated on improving the driving experience.Visually, the changes

AutoExpert