{"id":100675,"date":"2024-03-13T17:35:30","date_gmt":"2024-03-13T22:35:30","guid":{"rendered":"https:\/\/milesfortis.com\/?p=100675"},"modified":"2024-03-13T17:35:30","modified_gmt":"2024-03-13T22:35:30","slug":"100675","status":"publish","type":"post","link":"https:\/\/milesfortis.com\/?p=100675","title":{"rendered":""},"content":{"rendered":"<p>The Internet Of Things really is hot garbage.<\/p>\n<hr \/>\n<p><a href=\"https:\/\/archive.is\/6YyXQ\">Automakers Are Sharing Consumers\u2019 Driving Behavior With Insurance Companies.<\/a><\/p>\n<div>\n<div>\n<div>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\u2019s never been responsible for an accident.<\/div>\n<div>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.<\/div>\n<div>LexisNexis is a New York-based global data broker with a \u201cRisk Solutions\u201d division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl\u2019s request, LexisNexis sent him a 258-page \u201c<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/consumer.risk.lexisnexis.com\/consumer\" target=\"_blank\" rel=\"noopener noreferrer\">consumer disclosure report<\/a>,\u201d which it must provide per the Fair Credit Reporting Act.<\/div>\n<div><\/div>\n<div>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\u2019t have is where they had driven the car.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>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.<\/div>\n<div><\/div>\n<div>According to the report, the trip details had been provided by General Motors \u2014 the manufacturer of the Chevy Bolt. LexisNexis analyzed that driving data to create a risk score \u201cfor insurers to use as one factor of many to create more personalized insurance coverage,\u201d according to a LexisNexis spokesman, Dean Carney. Eight insurance companies had requested information about Mr. Dahl from LexisNexis over the previous month.<\/div>\n<div>\u201cIt felt like a betrayal,\u201d Mr. Dahl said. \u201cThey\u2019re taking information that I didn\u2019t realize was going to be shared and screwing with our insurance.\u201d<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div>\n<div data-testid=\"imageblock-wrapper\">\n<figure role=\"group\" aria-label=\"media\">\n<div data-testid=\"photoviewer-children-figure\"><\/div>\n<div data-testid=\"photoviewer-children-figure\"><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" \/><\/picture><\/div><figcaption data-testid=\"photoviewer-children-caption\"><\/figcaption><\/figure>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>In recent years, insurance companies have offered incentives to people who install dongles in their cars or download smartphone apps that monitor their driving, including how much they drive, how fast they take corners, how hard they hit the brakes and whether they speed. But \u201cdrivers are historically reluctant to participate in these programs,\u201d as Ford Motor put it in a\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/patentimages.storage.googleapis.com\/1d\/13\/d2\/197982a7afa0d8\/US20220188935A1.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">patent application<\/a>\u00a0that describes what is happening instead: Car companies are collecting information directly from internet-connected vehicles for use by the insurance industry.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>Sometimes this is happening with a driver\u2019s awareness and consent. Car companies have established relationships with insurance companies, so that if drivers want to sign up for what\u2019s called usage-based insurance \u2014 where rates are set based on monitoring of their driving habits \u2014 it\u2019s easy to collect that data wirelessly from their cars.<\/div>\n<div>But in other instances, something much sneakier has happened. Modern cars are internet-enabled, allowing access to services like navigation, roadside assistance and car apps that drivers can connect to their vehicles to locate them or unlock them remotely. In recent years, automakers, including G.M., Honda, Kia and Hyundai, have started offering optional features in their connected-car apps that rate people\u2019s driving. Some drivers may not realize that, if they turn on these features, the car companies then give information about how they drive to data brokers like LexisNexis.<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<p><!--more--><\/p>\n<div><\/div>\n<div><\/div>\n<div>\n<div>\n<div>Automakers and data brokers that have partnered to collect detailed driving data from millions of Americans say they have drivers\u2019 permission to do so. But the existence of these partnerships is nearly invisible to drivers, whose consent is obtained in fine print and murky privacy policies that few read.<\/div>\n<div>Especially troubling is that some drivers with vehicles made by G.M. say they were tracked even when they did not turn on the feature \u2014 called OnStar Smart Driver \u2014 and that their insurance rates went up as a result.<\/div>\n<div>\u201cGM\u2019s OnStar Smart Driver service is optional to customers,\u201d a G.M. spokeswoman, Malorie Lucich, said. \u201cCustomer benefits include learning more about their safe driving behaviors or vehicle performance that, with their consent, may be used to obtain insurance quotes. Customers can also unenroll from Smart Driver at any time.\u201d<\/div>\n<\/div>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>Even for those who opt in, the risks are far from clear. I have a G.M. car, a Chevrolet. I went through the enrollment process for Smart Driver; there was no warning or prominent disclosure that any third party would get access to my driving data.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div>\n<div data-testid=\"imageblock-wrapper\">\n<figure role=\"group\" aria-label=\"media\">\n<div data-testid=\"photoviewer-children-figure\">Image<\/p>\n<div data-testid=\"lazy-image\">\n<div data-testid=\"lazyimage-container\"><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" \/><img decoding=\"async\" src=\"https:\/\/archive.is\/6YyXQ\/231c0bac483d831ee0227e36ebdf99b0c4e5c44a.webp\" sizes=\"((min-width: 600px) and (max-width: 1004px)) 84vw, (min-width: 1005px) 60vw, 100vw\" alt=\"Screenshots of the OnStar Smart Driver app for a Chevrolet Bolt.\" \/><\/picture><\/div>\n<\/div>\n<\/div><figcaption data-testid=\"photoviewer-children-caption\"><span style=\"font-size: 10pt;\">What this reporter saw when she went through the process of signing up for OnStar Smart Driver: no mentions of the data being shared with third parties.Credit&#8230;<span aria-hidden=\"false\">The New York Times<\/span><\/span><\/figcaption><\/figure>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>\u201cI am surprised,\u201d said Frank Pasquale, a law professor at Cornell University. \u201cBecause it\u2019s not within the reasonable expectation of the average consumer, it should certainly be an industry practice to prominently disclose that is happening.\u201d<\/div>\n<div><\/div>\n<div>Policymakers have expressed concern about the collection of sensitive information from consumers\u2019 cars. California\u2019s privacy regulator is\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.reuters.com\/business\/autos-transportation\/california-agency-probes-automakers-data-privacy-practices-2023-07-31\/%23:~:text=The%20California%20Privacy%20Protection%20Agency,which%20companies%20it%20is%20reviewing.\" target=\"_blank\" rel=\"noopener noreferrer\">currently investigating<\/a>\u00a0automakers\u2019 data collection practices. Last month, Senator Edward Markey of Massachusetts also\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.markey.senate.gov\/news\/press-releases\/senator-markey-urges-ftc-to-investigate-invasive-data-privacy-practices-of-automakers\" target=\"_blank\" rel=\"noopener noreferrer\">urged<\/a>\u00a0the Federal Trade Commission to investigate.<\/div>\n<div><\/div>\n<div>\u201cThe \u2018internet of things\u2019 is really intruding into the lives of all Americans,\u201d Senator Markey said in an interview. \u201cIf there is now a collusion between automakers and insurance companies using data collected from an unknowing car owner that then raises their insurance rates, that\u2019s, from my perspective, a potential per se violation of Section 5 of the Federal Trade Commission Act.\u201d<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>That is the federal law that prohibits unfair and deceptive business practices that harm consumers.<\/div>\n<h2 id=\"link-1ce8a67e\">\u2018Smart Driver\u2019<\/h2>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div>\n<div data-testid=\"imageblock-wrapper\">\n<figure role=\"group\" aria-label=\"media\">\n<div data-testid=\"photoviewer-children-figure\">Image<\/p>\n<div data-testid=\"lazy-image\">\n<div data-testid=\"lazyimage-container\"><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" \/><img decoding=\"async\" src=\"https:\/\/archive.is\/6YyXQ\/93e2c5c2ad4f33a37c68de5afd547356418473bc.webp\" sizes=\"((min-width: 600px) and (max-width: 1004px)) 84vw, (min-width: 1005px) 60vw, 100vw\" alt=\"Screenshots of several phones with OnStar Smart Driver.\" \/><\/picture><\/div>\n<\/div>\n<\/div><figcaption data-testid=\"photoviewer-children-caption\"><span style=\"font-size: 10pt;\">One expert said insurance programs that monitor driving habits can improve driving, but only if people are aware they\u2019ve signed up for them.Credit&#8230;<span aria-hidden=\"false\">The New York Times<\/p>\n<p><\/span><\/span><\/figcaption><\/figure>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>Mr. Dahl shared his experience on an online forum for Chevy Bolt enthusiasts, on a thread where other people expressed shock to find that LexisNexis had their driving data. Warnings about the tracking are scattered across online discussion boards dedicated to vehicles manufactured by G.M. \u2014 including Corvettes, a sports car designed for racking up \u201cacceleration events.\u201d (One driver\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.midenginecorvetteforum.com\/forum\/me-discussion-photos-videos\/420220-heads-up-beware-of-the-smart-driver-feature-of-onstar\/page6\" target=\"_blank\" rel=\"noopener noreferrer\">lamented<\/a>\u00a0having data collected during a \u201ctrack day,\u201d while testing out the Corvette\u2019s limits on a professional racetrack.)<\/div>\n<div><\/div>\n<div>Numerous people on the forums complained about spiking premiums as a result. A Cadillac driver in Palm Beach County, Fla., who asked not to be named because he is considering a lawsuit against G.M., said he was denied auto insurance by seven companies in December. When he asked an agent why, she advised him to pull his LexisNexis report. He discovered six months of his driving activity, including many instances of hard braking and hard accelerating, as well as some speeding.<\/div>\n<div><\/div>\n<div>\u201cI don\u2019t know the definition of hard brake. My passenger\u2019s head isn\u2019t hitting the dash,\u201d he said. \u201cSame with acceleration. I\u2019m not peeling out. I\u2019m not sure how the car defines that. I don\u2019t feel I\u2019m driving aggressively or dangerously.\u201d<\/div>\n<div><\/div>\n<div>When he finally obtained car insurance, through a private broker, it was double what he had previously been paying.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>The Cadillac owner, Mr. Dahl and the drivers on the forums had all been enrolled in OnStar Smart Driver. OnStar is G.M.\u2019s Internet-connected service for its cars and Smart Driver is a free, gamified feature within G.M.\u2019s connected car apps (all part of OnStar, but branded MyChevrolet, MyBuick, MyGMC and MyCadillac).<\/div>\n<div><\/div>\n<div>Smart Driver can \u201chelp you become a better driver,\u201d according to a\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.onstar.com\/services\/smart-driver\" target=\"_blank\" rel=\"noopener noreferrer\">corporate website<\/a>, by tracking and rating seatbelt use and driving habits. In a recent promotional campaign, an Instagram influencer used Smart Driver in a\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.instagram.com\/p\/C2VIJnvRWCf\/\" target=\"_blank\" rel=\"noopener noreferrer\">competition<\/a>\u00a0with her husband to find out who could collect the most digital badges, such as \u201cbrake genius\u201d and \u201climit hero.\u201d<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div>\n<section id=\"car_privacy_ig_embed\" data-id=\"100000009351006\" data-source-id=\"100000009351006\" data-testid=\"inline-interactive\">\n<div data-sourceid=\"100000009351006\">\n<div id=\"instagram-embed-0\" data-instgrm-payload-id=\"instagram-media-payload-0\">\n<div class=\"html1\">\n<div id=\"facebook\" class=\"html\" lang=\"en\">\n<div class=\"body\" dir=\"ltr\">\n<div>\n<div>\n<div data-ios-link=\"media?id=3293973060674121353&amp;utm_source=ig_embed&amp;ig_rid=b60b6947-ac6d-4441-8b8e-1ddaacbff39e\" 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to track our driving progress using OnStar&#8217;s Smart Driver feature! We earned badges and streaks! We each earned at least one of the following badges:<\/p>\n<p>\u00b7 Brake Genius: Stay aware, brake slow and you&#8217;ll achieve Brake Genius in no time<br \/>\n\u00b7 Accel Pro: Limit your hard accelerating, and you&#8217;ll earn a shiny Accel Pro badge<br \/>\n\u00b7 Limit Hero: Keep that speedometer under 80 mph, and a Limit Hero badge is in your future<\/p>\n<p>But&#8230;I won so because I finished with 10 badges and JD only earned 3. I may or may not drive my Escalade more than he drives his Sierra truck, but the numbers don&#8217;t lie \ud83d\ude09. We love fun competition that encourages safer driving! You guys have got to check it out today!\u00a0<a href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.instagram.com\/explore\/tags\/OnStarAmbassador\/?utm_source=ig_embed\" target=\"_blank\" rel=\"noopener\">#OnStarAmbassador<\/a><\/p>\n<div><a href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.instagram.com\/reel\/C22iwvlL-6J\/?utm_source=ig_embed&amp;ig_rid=b60b6947-ac6d-4441-8b8e-1ddaacbff39e\" target=\"_blank\" rel=\"noopener\" data-ios-link=\"media?id=3293973060674121353&amp;utm_source=ig_embed&amp;ig_rid=b60b6947-ac6d-4441-8b8e-1ddaacbff39e\" data-log-event=\"captionCommentsClick\">View all 24 comments<\/a><\/div>\n<\/div>\n<div><a href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.instagram.com\/reel\/C22iwvlL-6J\/?utm_source=ig_embed&amp;ig_rid=b60b6947-ac6d-4441-8b8e-1ddaacbff39e\" target=\"_blank\" rel=\"noopener\" data-ios-link=\"media?id=3293973060674121353&amp;utm_source=ig_embed&amp;ig_rid=b60b6947-ac6d-4441-8b8e-1ddaacbff39e\" data-log-event=\"addCommentClick\">Add a comment&#8230;<\/a><a href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.instagram.com\/reel\/C22iwvlL-6J\/?utm_source=ig_embed&amp;ig_rid=b60b6947-ac6d-4441-8b8e-1ddaacbff39e\" target=\"_blank\" rel=\"noopener\" data-ios-link=\"media?id=3293973060674121353&amp;utm_source=ig_embed&amp;ig_rid=b60b6947-ac6d-4441-8b8e-1ddaacbff39e\" data-log-event=\"logoClick\"><i><u>Instagram<\/u><\/i><\/a><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/section>\n<\/div>\n<div>\n<div>\n<div>In response to questions from The New York Times, G.M. confirmed that it shares \u201cselect insights\u201d about hard braking, hard accelerating, speeding over 80 miles an hour and drive time of Smart Driver enrollees with LexisNexis and another data broker that works with the insurance industry called Verisk.<\/div>\n<div><\/div>\n<div>Customers turn on Smart Driver, said Ms. Lucich, the G.M. spokeswoman, \u201cat the time of purchase or through their vehicle mobile app.\u201d It is possible that G.M. drivers who insisted they didn\u2019t opt in were unknowingly signed up at the dealership, where salespeople can receive bonuses for successful enrollment of customers in OnStar services, including Smart Driver, according to\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/assets.ctfassets.net\/ilybqezdg3uy\/OODKdbLEPe7NhvJiyq7Oa\/3814ec1fe55b8e9325a93c47fd4547df\/2023_SFE_Sales_Consultant_Perf_Bonus_Rules_FINAL_10-31-22.pdf\" target=\"_blank\" rel=\"noopener noreferrer\">a company manual<\/a>.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>The Cadillac owner in Florida said he had not heard of Smart Driver and never noticed it in the MyCadillac app. He reviewed the paperwork he signed at the dealership when he bought his Cadillac in the fall of 2021 and found no mention of signing up for it.<\/div>\n<div>\u201cWhen a customer accepts the user terms and privacy statement (which are separately reviewed in the enrollment flow), they consent to sharing their data with third parties,\u201d Ms. Lucich wrote in an email, pointing to OnStar\u2019s\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.onstar.com\/legal\/privacy-statement\" target=\"_blank\" rel=\"noopener noreferrer\">privacy statement<\/a>.<\/div>\n<div>But that statement\u2019s section on \u201cthird-party business relationships\u201d does not mention Smart Driver. It names SiriusXM as a company G.M. might share data with, not LexisNexis Risk Solutions, which G.M. has partnered with since\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/risk.lexisnexis.com\/about-us\/press-room\/press-release\/20190821-gm-partnership\" target=\"_blank\" rel=\"noopener noreferrer\">2019<\/a>.<\/div>\n<div data-testid=\"imageblock-wrapper\">\n<figure role=\"group\" aria-label=\"media\">\n<div data-testid=\"photoviewer-children-figure\">Image<\/p>\n<div data-testid=\"lazy-image\">\n<div data-testid=\"lazyimage-container\"><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" \/><img decoding=\"async\" src=\"https:\/\/archive.is\/6YyXQ\/a129b517db5d16bd3ed1d70beed954842a9f1cdd.webp\" sizes=\"50vw\" alt=\"An image from the Chevrolet Smart Driver app showing the driver's score of 50 for the week. \" \/><\/picture><\/div>\n<\/div>\n<\/div><figcaption data-testid=\"photoviewer-children-caption\">A driver who was surprised to discover that he was enrolled in Smart Driver posted a screenshot of his low score to an online forum for Corvette drivers in 2022.Credit&#8230;<span aria-hidden=\"false\">The New York Times<\/span><\/figcaption><\/figure>\n<\/div>\n<div>Jen Caltrider, a researcher at Mozilla who\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/foundation.mozilla.org\/en\/privacynotincluded\/articles\/its-official-cars-are-the-worst-product-category-we-have-ever-reviewed-for-privacy\/\" target=\"_blank\" rel=\"noopener noreferrer\">reviewed the privacy policies<\/a>\u00a0for more than 25 car brands last year, said that drivers have little idea about what they are consenting to when it comes to data collection. She said it is \u201cimpossible for consumers to try and understand\u201d the legalese-filled policies for car companies, their connected services and their apps. She called cars \u201ca privacy nightmare.\u201d<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>\u201cThe car companies are really good at trying to link these features to safety and say they are all about safety,\u201d Ms. Caltrider said. \u201cThey\u2019re about making money.\u201d<\/div>\n<div>Neither the car companies nor the data brokers deny that they are engaged in this practice, though automakers say the main purpose of their driver feedback programs is to help people develop safer driving habits.<\/div>\n<div>After LexisNexis and Verisk get data from consumers\u2019 cars, they sell information about how people are driving to insurance companies. To access it, the insurance companies must get consent from the drivers \u2014 say, when they go out shopping for car insurance and sign off on boilerplate language that gives insurance companies the right to pull third-party reports. (Insurance companies\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.marketwatch.com\/guides\/insurance-services\/car-insurance-no-credit-history\" target=\"_blank\" rel=\"noopener noreferrer\">commonly ask for access<\/a>\u00a0to a consumer\u2019s credit or risk reports, though they are\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.ncsl.org\/state-legislatures-news\/details\/states-consider-limits-on-insurers-use-of-consumer-credit-info\" target=\"_blank\" rel=\"noopener noreferrer\">barred from doing so<\/a>\u00a0in California, Massachusetts, Michigan and Hawaii.)<\/div>\n<div>An employee familiar with G.M.\u2019s Smart Driver said the company\u2019s annual revenue from the program is in the low millions of dollars.<\/div>\n<div>LexisNexis Risk Solutions, which retains consumers\u2019 driving data for six months, has \u201cstrict privacy and security policies designed to ensure that data is not accessed or used impermissibly,\u201d the company said in a statement.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>Verisk provides insurers with trip data and a risk score \u201capproved by insurance regulators in 46 states and the District of Columbia,\u201d said a spokeswoman, Amy Ebenstein. Automakers that Verisk gets data from \u201cprovide their customers notice and obtain appropriate consents,\u201d she said.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div>\n<div data-testid=\"imageblock-wrapper\">\n<figure role=\"group\" aria-label=\"media\">\n<div data-testid=\"photoviewer-children-figure\">Image<\/p>\n<div data-testid=\"lazy-image\">\n<div data-testid=\"lazyimage-container\"><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" \/><img decoding=\"async\" src=\"https:\/\/archive.is\/6YyXQ\/59f916076b8864d734ac30ed08e298901b9d2a6a.webp\" sizes=\"((min-width: 600px) and (max-width: 1004px)) 84vw, (min-width: 1005px) 60vw, 100vw\" alt=\"Screenshots from Mitsubishi\u2019s app showing the definition of hard braking and different categories of roadside assistance. \" \/><\/picture><\/div>\n<\/div>\n<\/div><figcaption data-testid=\"photoviewer-children-caption\">Mitsubishi has an optional feature in its app, \u201cDriving Score,\u201d that, when turned on, collects information about people\u2019s driving.Credit&#8230;<span aria-hidden=\"false\">The New York Times<\/span><\/figcaption><\/figure>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>Some drivers who had Smart Driver turned on, though, said they did not even realize they were enrolled until they saw warnings on online forums and then checked their app. They quickly unenrolled themselves by turning off Smart Driver in their car app.<\/div>\n<div>Omri Ben-Shahar, a law professor at the University of Chicago, said he was\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4486471\" target=\"_blank\" rel=\"noopener noreferrer\">in favor<\/a>\u00a0of usage-based insurance \u2014 where insurers monitor mileage and driving habits to determine premiums \u2014 because people who are knowingly monitored are better drivers. \u201cPeople drive differently,\u201d he said. \u201cThe impact on safety is enormous.\u201d<\/div>\n<div>But he was troubled, he said, by \u201cstealth enrollment\u201d in programs with \u201csurprising and potentially injurious\u201d data collection. There is no public safety benefit if people don\u2019t know that how they drive will affect how much they pay for insurance.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<h2 id=\"link-2e874497\">\u2018Real-World Driving Behavior\u2019<\/h2>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div>\n<div data-testid=\"imageblock-wrapper\">\n<figure role=\"group\" aria-label=\"media\">\n<div data-testid=\"photoviewer-children-figure\">Image<\/p>\n<div data-testid=\"lazy-image\">\n<div data-testid=\"lazyimage-container\"><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" \/><img decoding=\"async\" src=\"https:\/\/archive.is\/6YyXQ\/88d20e0348aa5e406b37bb251ee1fefb7ba3c9a5.webp\" sizes=\"((min-width: 600px) and (max-width: 1004px)) 84vw, (min-width: 1005px) 60vw, 100vw\" alt=\"The steering wheel of a Subaru is seen through a window with reflections on it.\" \/><\/picture><\/div>\n<\/div>\n<\/div><figcaption data-testid=\"photoviewer-children-caption\">Subaru, Kia and Mitsubishi also contribute driver data to LexisNexis.Credit&#8230;<span aria-hidden=\"false\">Ross Mantle for The New York Times<\/span><\/figcaption><\/figure>\n<\/div>\n<\/div>\n<div>\n<div>\n<div>General Motors is not the only automaker sharing driving behavior. Kia, Subaru and Mitsubishi also contribute to the LexisNexis \u201c<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/risk.lexisnexis.com\/products\/telematics-exchange\" target=\"_blank\" rel=\"noopener noreferrer\">Telematics Exchange<\/a>,\u201d a \u201cportal for sharing consumer-approved connected car data with insurers.\u201d As of 2022, the exchange,\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/risk.lexisnexis.com\/about-us\/press-room\/press-release\/20220628-telematics-exchange-5-year-anniversary\" target=\"_blank\" rel=\"noopener noreferrer\">according to a LexisNexis news release<\/a>, has \u201creal-world driving behavior\u201d collected \u201cfrom over 10 million vehicles.\u201d<\/div>\n<div><a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.verisk.com\/insurance\/products\/drivingdna-data\/\" target=\"_blank\" rel=\"noopener noreferrer\">Verisk<\/a>\u00a0also claims to have access to data from millions of vehicles and partnerships with major automakers, including Ford, Honda and Hyundai.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<figure>\n<div>\n<div title=\"YouTube Video\">\n<div class=\"html1\">\n<div class=\"html\" dir=\"ltr\" lang=\"en\" data-cast-api-enabled=\"true\">\n<div class=\"body\" dir=\"ltr\">\n<div id=\"player\">\n<div id=\"movie_player\" tabindex=\"-1\" aria-label=\"YouTube Video Player\" data-version=\"\/s\/player\/704f0391\/player_ias.vflset\/en_US\/base.js\">\n<div data-layer=\"0\"><\/div>\n<div data-layer=\"1\"><\/div>\n<div data-layer=\"1\">\n<div>\n<div><\/div>\n<div aria-hidden=\"true\">\n<div>\n<div><\/div>\n<div aria-hidden=\"true\"><\/div>\n<\/div>\n<\/div>\n<\/div>\n<div>\n<div><a tabindex=\"0\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.youtube.com\/watch?v=WBSFH0QiMGQ\" target=\"_blank\" rel=\"noopener\" data-sessionlink=\"feature=player-title\">HondaLink: Driver Feedback | Getting Started<\/a><\/p>\n<div><\/div>\n<\/div>\n<\/div>\n<div>\n<div><\/div>\n<div>Share<\/div>\n<\/div>\n<\/div>\n<div data-layer=\"4\">\n<div><\/div>\n<p><button title=\"Play\" aria-label=\"Play\"><\/button><\/div>\n<div aria-atomic=\"true\" aria-live=\"assertive\" data-layer=\"4\"><\/div>\n<div data-layer=\"4\"><\/div>\n<div tabindex=\"-1\" data-layer=\"4\"><\/div>\n<div aria-hidden=\"true\">\n<div>Watch on<\/div>\n<div><\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n<\/div><figcaption><\/figcaption><\/figure>\n<div>\n<div>\n<div>Two of these automakers said they were not sharing data or only limited data. Subaru shares odometer data with LexisNexis for Subaru customers who turn on Starlink and authorize that data be shared \u201cwhen shopping for auto insurance,\u201d said a spokesman, Dominick Infante.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<div>Ford \u201cdoes not transmit any connected vehicle data to either partner,\u201d said a spokesman, Alan Hall, but partnered with them \u201cto explore ways to support customers\u201d who want to take part in usage-based insurance programs. Ford will share driving behavior from a car directly with an insurance company, he said, when a customer gives explicit consent via an in-vehicle touch screen.<\/div>\n<div>The other automakers all have optional driver-coaching features in their apps \u2014\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/owners.kia.com\/content\/owners\/en\/usage-based-insurance.html\" target=\"_blank\" rel=\"noopener noreferrer\">Kia<\/a>,\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.elitemitsubishi.com\/roadside-assistance\" target=\"_blank\" rel=\"noopener noreferrer\">Mitsubishi<\/a>\u00a0and\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/owners.hyundaiusa.com\/us\/en\/resources\/blue-link\/what-is-a-hyundai-driving-score\" target=\"_blank\" rel=\"noopener noreferrer\">Hyundai<\/a>\u00a0have \u201cDriving Score,\u201d while\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/mygarage.honda.com\/s\/acuralink-driver-feedback\" target=\"_blank\" rel=\"noopener noreferrer\">Honda<\/a>\u00a0and\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/mygarage.honda.com\/s\/acuralink-driver-feedback\" target=\"_blank\" rel=\"noopener noreferrer\">Acura<\/a>\u00a0have \u201cDriver Feedback\u201d \u2014 that, when turned on, collect information about people\u2019s mileage, speed, braking and acceleration that is then shared with LexisNexis or Verisk, the companies said in response to questions from The New York Times.<\/div>\n<div data-testid=\"imageblock-wrapper\">\n<figure role=\"group\" aria-label=\"media\">\n<div data-testid=\"photoviewer-children-figure\">Image<\/p>\n<div data-testid=\"lazy-image\">\n<div data-testid=\"lazyimage-container\"><picture><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 3),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 3),(max-width: 599px) and (min-resolution: 3dppx),(max-width: 599px) and (min-resolution: 288dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 2),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 2),(max-width: 599px) and (min-resolution: 2dppx),(max-width: 599px) and (min-resolution: 192dpi)\" \/><source media=\"(max-width: 599px) and (min-device-pixel-ratio: 1),(max-width: 599px) and (-webkit-min-device-pixel-ratio: 1),(max-width: 599px) and (min-resolution: 1dppx),(max-width: 599px) and (min-resolution: 96dpi)\" \/><img decoding=\"async\" src=\"https:\/\/archive.is\/6YyXQ\/96d2020cc10bf69a44b218c84f1502c8e38b47d3.webp\" sizes=\"50vw\" alt=\"A screen from Honda's &quot;Driver Feedback&quot; app, with the headline, Respect for your privacy.&quot; \" \/><\/picture><\/div>\n<\/div>\n<\/div><figcaption data-testid=\"photoviewer-children-caption\">Honda says driver data will not be shared without consent, but the user needs to read through a 2,000-word \u201cterms and conditions\u201d screen to see that the company is sharing data with Verisk.Credit&#8230;<span aria-hidden=\"false\">Honda<\/span><\/figcaption><\/figure>\n<\/div>\n<div>But that would not be evident or obvious to drivers using these features. In fact, before a Honda owner activates Driver Feedback, a\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/neofiliac.com\/x\/A\/94\/26\/1596788025.jpg\" target=\"_blank\" rel=\"noopener noreferrer\">screen<\/a>\u00a0titled \u201cRespect for your Privacy\u201d assures drivers that \u201cyour data will never be shared without your consent.\u201d But it\u00a0<em>is<\/em>\u00a0shared \u2014 with Verisk, a fact disclosed in a more than 2,000-word \u201cterms and conditions\u201d screen that a driver needs to click \u201caccept\u201d on. (Kia, by contrast, does highlight its relationship with LexisNexis Risk Solutions on its\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/owners.kia.com\/content\/owners\/en\/usage-based-insurance.html\" target=\"_blank\" rel=\"noopener noreferrer\">website<\/a>, and a spokesman said LexisNexis can\u2019t share driving score data of Kia participants with insurers without additional consent.)<\/div>\n<div>Drivers who have realized what is happening are not happy. The Palm Beach Cadillac owner said he would never buy another car from G.M. He is planning to sell his Cadillac.<\/div>\n<\/div>\n<aside aria-label=\"companion column\"><\/aside>\n<\/div>\n<div><\/div>\n<div>\n<div>\n<hr \/>\n<div><strong>How to Find Out What Your Car Is Doing<\/strong><\/div>\n<ul>\n<li>\n<div>See the data your car is capable of collecting with this tool:\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/vehicleprivacyreport.com\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/vehicleprivacyreport.com\/<\/a>.<\/div>\n<\/li>\n<li>\n<div>Check your connected car app, if you use one, to see if you are enrolled in one of these programs.<\/div>\n<\/li>\n<li>\n<div>Do an online search for \u201cprivacy request form\u201d alongside the name of your vehicle\u2019s manufacturer. There should be instructions on how to request information your car company has about you.<\/div>\n<\/li>\n<li>\n<div>Request your LexisNexis report:\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/consumer.risk.lexisnexis.com\/consumer\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/consumer.risk.lexisnexis.com\/consumer<\/a><\/div>\n<\/li>\n<li>\n<div>Request your Verisk report:\u00a0<a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/fcra.verisk.com\/%23\/\" target=\"_blank\" rel=\"noopener noreferrer\">https:\/\/fcra.verisk.com\/#\/<\/a><\/div>\n<\/li>\n<\/ul>\n<div><strong>Find something interesting, or know more about this?\u00a0<\/strong><strong><a title=\"\" href=\"https:\/\/archive.is\/o\/6YyXQ\/https:\/\/www.nytimes.com\/by\/kashmir-hill%23contact\" target=\"_blank\" rel=\"noopener\">Contact me<\/a><\/strong><strong>\u00a0at kashmir.hill@nytimes.com.<\/strong><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>The Internet Of Things really is hot garbage. Automakers Are Sharing Consumers\u2019 Driving Behavior With Insurance Companies. 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\u2019s never been responsible for an accident. So Mr. Dahl, 65, was surprised in &hellip; <a href=\"https:\/\/milesfortis.com\/?p=100675\" class=\"more-link\">Continue reading<span class=\"screen-reader-text\"> &#8220;&#8221;<\/span><\/a><\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[15,87],"tags":[],"class_list":["post-100675","post","type-post","status-publish","format-standard","hentry","category-business","category-technology"],"_links":{"self":[{"href":"https:\/\/milesfortis.com\/index.php?rest_route=\/wp\/v2\/posts\/100675","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesfortis.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesfortis.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesfortis.com\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/milesfortis.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=100675"}],"version-history":[{"count":1,"href":"https:\/\/milesfortis.com\/index.php?rest_route=\/wp\/v2\/posts\/100675\/revisions"}],"predecessor-version":[{"id":100676,"href":"https:\/\/milesfortis.com\/index.php?rest_route=\/wp\/v2\/posts\/100675\/revisions\/100676"}],"wp:attachment":[{"href":"https:\/\/milesfortis.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=100675"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesfortis.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=100675"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesfortis.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=100675"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}