[forcefed]

https://www.nytimes.com/2024/03/11/t...tml?ref=oembed
https://archive.ph/9wDpJ if you don't have a subscription

GM cars have an app called Smart Driver, if you opt in it tells you how you drive, in the background it shares info with LexisNexis which sells that info to insurance companies. Guess whose premiums are going up if you have a heavy foot?

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.

[x622]

Holy shit. I knew these driver tracking things were coming but I didn't anticipate them coming so soon or in such a sneaky manner.

Thank you for the article

[Weather Man]

The Big Question: Does BMW share information with LexisNexis ?????

BMW NA does say in its privacy policies that it "does not sell its customers personal information, such as their names, addresses, driving habits, Vehicle Identification Numbers, or other information that is tied to the customers or their vehicles." It does, however, share personal information with dealerships and business partners, but only to the latter extent when customers "request that we do so." Behavioral advertising data is said to be collected for its own products, and BMW says it doesn't send that stuff to third-party companies for their own marketing.

As for insurance data collection and how fast or recklessly you may or may not drive, BMW says it operates a "permission and consent" program. Customers can select specific businesses they want to share their data with through the MyBMW app. Any data shared with insurance companies is solely the customer's choice, according to BMW.

[M-technik-3]

Next we will hear how our phone is doing the same exact thing. Sad thing is the insurance lobby is giant and they have DC in their pockets. Otherwise why would you allow this.

[RM7]

Im not sure if its limited to those, I know older people using some kind of app for cars other than listed here. Is it an insurance app? These people get a discount for going slightly below the speed limit and taking forever to get up to speed evidently.

[Efthreeoh]

I wonder if the NYT sells its data to insurance companies of who read that article...

[DanG]

Originally Posted by RM7

Im not sure if its limited to those, I know older people using some kind of app for cars other than listed here. Is it an insurance app? These people get a discount for going slightly below the speed limit and taking forever to get up to speed evidently.

Most insurance companies have a phone ap to track your driving. At least you have the option of installing the ap.

[Weather Man]

This is going viral, learned a new word today! "dobbing" !

[RM7]

Originally Posted by DanG

Most insurance companies have a phone ap to track your driving. At least you have the option of installing the ap.

You have the “option” of GM smartdrive app too. Disabled on my new one.

[gblansten]

Originally Posted by RM7

You have the “option” of GM smartdrive app too. Disabled on my new one.

I thought they track you and sell your data to insurance companies regardless of the app being active.

[Efthreeoh]

Originally Posted by DanG

Most insurance companies have a phone ap to track your driving. At least you have the option of installing the ap.

Yeah, almost did that once with my insurer when I made a glass claim, then thought better of it. Lol.

[DanG]

Originally Posted by Efthreeoh

Yeah, almost did that once with my insurer when I made a glass claim, then thought better of it. Lol.

I don’t have one installed either.

[Efthreeoh]

Originally Posted by DanG

I don’t have one installed either.

I'm glad I bought my last car MY 2022; I keep the connectivity off in it. I have 5 now (of the other four, the youngest is MY 2009), they should last me until I go tits up.

[RM7]

Originally Posted by gblansten

I thought they track you and sell your data to insurance companies regardless of the app being active.

I don’t think so. Some new owners were supposedly finding the app/feature “active” w/no prior use of it. That may have been done by the onstar assistant that helps you set up the initial app, you have to call them with onstar and they work through setting up the general app and they try to sell you a subscription service for human nav directions or somethings. Im not sure if its really someone else triggering it, or if new users are doing it by accident, but it seems pretty easy to disable and find. Its just the “purpose” of the entire thing is totally misleading, its about jacking up your rates.

[Efthreeoh]

Originally Posted by RM7

I don’t think so. Some new owners were supposedly finding the app/feature “active” w/no prior use of it. That may have been done by the onstar assistant that helps you set up the initial app, you have to call them with onstar and they work through setting up the general app and they try to sell you a subscription service for human nav directions or somethings. I'm not sure if it's really someone else triggering it, or if new users are doing it by accident, but it seems pretty easy to disable and find. It's just the “purpose” of the entire thing is totally misleading, it's about jacking up your rates.

I started a thread a few months ago when my insurance premium unexpectedly increased 24%. I bought a Bronco in 2022, so just over a year later I get a 24% bump in my insurance. Keep in mind for the past 6 years or so I was running with the max points on my license before the DMV gets serious and curtails your driving privilege. My insurance has stayed level or even slightly decreased over the last 10 years. And since 2022, I've drastically decreased my annual driving mileage by 30,000 miles; now, all my points have cleared and I have a driving points credit (bonus) of -2 (max my state gives).

I did join the age group that starts with a "6" a few years ago. But I chalked it all up to inflation of insurance that most people have recently experienced. I keep the Bronco's connectivity and data sharing apps disconnected and have nearly since the start of my ownership with it. I don't even have the FordPass app on my phone.

Now I have to consider if this BS driving record crap is the reason.

[Weather Man]

General Motors is now facing a second lawsuit related to the collection of customer driving data, and the subsequent sale of that data to third party companies, which led to individual insurance rate hikes for the automaker’s buyers.

According to the Detroit Free Press, this new lawsuit was filed on March 28 in the Southern Division of the U.S. District Court for the Eastern District of Michigan, with Larry Reed of Michigan, and Darnell McCoy Sr. of California, listed as the initial plaintiffs in this case. The lawsuit, which is seeking class action status, alleges that GM’s March decision to halt data collection and cut ties with brokers such as LexisNexis and Verisk suggests that GM knew it didn’t have the legal consent required to continue the practice.

[RM7]

Yeah, my data has to look pretty impressive w/racing at the track.