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:

Iconic Cars That Reshaped the Automotive World: From Beetle to Tesla - Photo
Others
Iconic Cars That Reshaped the Automotive World: From Beetle to Tesla

Cars changed the world, period. Some were flashy, some were basic, but they ALL made their mark. Here's the ultimate list:1. The OG People's Car: Volkswagen Beetle: Love Bug, Herbie, whate

AutoExpert
Electric Vehicles Hit a Financial Roadblock: The Struggle for Profitability - Photo
Others
Electric Vehicles Hit a Financial Roadblock: The Struggle for Profitability

Okay, the whole EV thing is hitting a wall. Sales are kinda rising, but nobody's making the big bucks they predicted. Ford especially – they're LOSING money on every EV sold, like, billi

AutoExpert
Lamborghini Urus SE Is Blending Speed And Sustainability In A Hybrid SUV - Photo
Car News
Lamborghini Urus SE Is Blending Speed And Sustainability In A Hybrid SUV

Finally, Lamborghini has upgraded one of its cars with plug-in hybrid electric technology. The Urus SE's electric motor is incorporated in the eight-speed gearbox and produces 189 horsepower (192

AutoExpert
Latest Mini Aceman Offers Electric Power and Urban Agility in a Compact Package - Photo
Car News
Latest Mini Aceman Offers Electric Power and Urban Agility in a Compact Package

In response to the growing demand for subcompact SUVs, Mini has introduced the brand new Aceman, a completely electric crossover. Mini Cooper's higher-riding sister keeps its distance from the roo

AutoExpert
Mazda EZ-6 Electric Sedan Promises Innovation For Chinese Market - Photo
Car News
Mazda EZ-6 Electric Sedan Promises Innovation For Chinese Market

Just recently, images of the electric Mazda EZ-6 began to circulate on Chinese social media. We already know that there will be two model options: the Mazda EZ-6, which is all-electric, and the Mazda

AutoExpert
Navigating the Night: How to Combat Harsh Headlights and Improve Nighttime Driving - Photo
Tips & Tricks
Navigating the Night: How to Combat Harsh Headlights and Improve Nighttime Driving

Anyone else feel like they're going blind every time they drive at night? Turns out, there's reasons, and it's not just those jerks with blinding aftermarket headlights. This engineer dude

AutoExpert
The Life-Saving Legacy of the HANS Device in Motorsport - Photo
Others
The Life-Saving Legacy of the HANS Device in Motorsport

Back in the early days of racing, even a minor accident could turn deadly. Take Patrick Jacquemart – 1981, car barely gets dinged, but HE ends up with a fractured skull and fatal brain damage. M

AutoExpert
Jaywalking: A Dangerous Game or Just Overhyped? - Photo
Others
Jaywalking: A Dangerous Game or Just Overhyped?

Okay, we've all done it: Ducked across the street to the store, instead of trekking to the crosswalk. It's jaywalking, but who cares, right? Well...Safety First (Kinda) The thing is,

AutoExpert
Rolls-Royce Showcases Global Elegance With A Trio Of New Bespoke Models - Photo
Car News
Rolls-Royce Showcases Global Elegance With A Trio Of New Bespoke Models

In preparation for the Beijing Auto Show, Rolls-Royce has introduced three unique models. Rolls-Royce debuted in Shanghai last year with the Private Office, which includes several features. The three

AutoExpert
Fangchengbao Previews Exciting Future With Bao 8, Super 3, And Super 9 - Photo
Concept
Fangchengbao Previews Exciting Future With Bao 8, Super 3, And Super 9

The Bao 8, Super 3, and Super 9 are the three avant-garde new automobiles that the BYD-owned startup company Fangchengbao has shown ahead of their official appearances at the Beijing Auto Show. After

AutoExpert