GM, Kia/Hyundai Subaru, Mitsubishi, Ford and Honda snitching to insurance companies

[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

[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.

[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.

[RM7]

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