Hard brake today? Car makers are selling that Info ... And more?

Yeah there is a lawsuit somewhere about this because people like me who owned an onstar GM product were opted in against our will which resulted in a 100% increase in insurance costs.

Sadly the outcome of the lawsuit was that you were allowed to opt out even though your driving record is permanently ruined

 

How does the car know who is driving, and thus whose driving record should be ruined?

 

Subaru Outbacks, recent ??? Ones, take your pix while you drive....supposedly so it can adjust seats, mirrors how you like it.

 

Insurance is on the cars owner(s) who are f’d
Because it’s a private company and not .gov there is no regulation and nobody cares about privacy protections in the us.

you can’t object or pry back the flawed data so you are screwed.

 

you slam your brakes on because a child runs out between two cars. you saved their life, and then got a notice from your insco that they were increasing your rates.

 

...and what if your mechanic does it while test driving the car after repairing something completely unrelated?

...or the valet at that one crappy restaurant, on his way to the garage at the corner?

You wouldn't even know the event happened, you just get a bigger insurance premium bill? No, this doesn't sound right at all. Things are missing from this story.

 

If your car has an IMEI number, that ship left the dock a looooooong time ago.
Cameras just make it easier to couple the data to a person.

I personally do not worry about it all that much.
I figure if you plug your phone into your car's infotainment system then you're pretty much giving them the keys to the kingdom anyway......

 

The agreement in question is the one to use the connected app not the car itself. The other driver would also need to have your phone.

It isn't a one event thing. From the tracking app from the insurance company I once used, they look at the total number or per mile.

While all your hard braking was reasonably done to avoid accidents, it happening more often is seen as driving in an area with other people that are careless. Whether the hard braking is because you are careless or other drivers are doesn't matter to the insurance company. Higher rate of hard braking means a higher chance they'll have to make a pay out.

 

You realize they don’t care right?

Nearly all Chevy Bolt owners noticed a massive increase in their insurance after about a year and then found they were forced into

Order Your Report Online - LexisNexis Risk Solutions Consumer Disclosure

LexisNexis Auto Insurance Dispute - Get a Free Case Review

That, they sold this data to every insurance entity under the table
request records and your entire drive history moment to moment is captured.

Based on the priorities from inside the organization.

Drive too slow, increase insurance
Drive too fast, increase insurance
Accelerate or decelerate to fast, increase insurance
Drive in a city or area considered high risk, increase insurance
Drive in a rural 2 lane area, increase insurance.
Excessive long trips outside your area, increase insurance
Roll stop increase insurance

And best of all THERE IS NO ACTUAL EVIDENCE ANY OF THESE THINGS ACTUALLY MAKE IT ANY MORE LIKELY TO PAYOUT.
The reality is that it’s all just based on feelings, there is immense variance in who gets in accidents with many very risky drivers never having one (which is supported by the 15+ years of tracking data, the variation in the dataset is so large as to have no correlation to any specific behaviors)

Literally every normal driving behavior is tied to increase insurance and because it’s illegal to be uninsured and everyone but you has the data your quotes are also worse. Nothing like a virtual monopoly

There wasn’t a class action and hundreds of independent lawsuits for no reason.

 

That answers my question, thanks.

I'm already pretty app-averse; never used one in conjunction with a car (apart from diagnostics) and I don't plan to start.

 

You don’t have to, I never used an app or signed up for tracking but they did it against my will anyway.

many car makers secretly track and report all your driving behavior, only way out is to drive a very old car

This is simply false, I didn’t agree to be tracked and did not have an app, they still had 15 years of tracking data on me.

That is why there is a lawsuit

 

My doubts remain.

 

cars are connected these days, without phones. even if you don't accept any of their subscriptions, they know exactly what is going on.

 

Never used them either, but the dealer started the free trails on the car. Plan to do the opt out.

The OP was in regards to Subaru, which got a poor privacy rating from Mozilla. So far there isn't any reports of selling that data.

 

I think they ALL get a poor privacy rating....

Toyota | Privacy security guide | Mozilla Foundation

 

Tesla has sent me two solicitation e-mails using the information already provided because I own a Tesla. They've already gone to the 'bit bucket'. Worse, they didn't seem interested in selling me a solar roof so I went with a really nice one:


Bob Wilson

 

You can see those guys. They’re maybe behind you for a bit, so close your fur’s rising, then slot-car-fast to another lane, weaving past cars, brake lights incessantly on/off.