this post was submitted on 11 Mar 2024
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Privacy

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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’s never been responsible for an accident.

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.

LexisNexis is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.

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’t have is where they had driven the car.

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.

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[–] [email protected] 12 points 8 months ago

meanwhile I have to pre fill out some forms so the sherrif office can track it if its stolen. It cracks me up how the government getting things is a big deal but corpos then no worries.

[–] [email protected] 98 points 8 months ago (7 children)

Last time I drove a rental car I was constantly aware that it was probably tracking everything I did, sending that data back to its owners, who would then sell it on to data brokers and insurance companies and whoever else wanted it.

It was sort of tolerable on a temporary basis, until I got to driving along a road where the speed limit had recently changed. The car helpfully displayed what it thought the speed limit was, and suddenly I had to choose between driving safely and driving according to what the computers presumably wanted to see.

Drivers of the world, do not let your cars have Internet access. No good can come of it.

[–] [email protected] 23 points 8 months ago

Yes, the only access to the Internet a car should have is through my phone in an opt-in basis. That way I can stream music, map directions, etc through my phone that I've already made somewhat secure.

[–] [email protected] 42 points 8 months ago

Classic JDM shit boxes till I die. Used to be a joke, but since cars have become what are essentially IoT devices, it's become real. 🥲

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[–] [email protected] 10 points 8 months ago* (last edited 8 months ago) (2 children)

Is that the whole text of the article? (paywall) Was there any investigation as to the source of the data on the report? ~~As this is a leased vehicle, I would not be surprised if the data came from a dealer module that they use to immobilize and locate the vehicle if you miss a payment or otherwise violate your lease.~~

According to the report, the trip details had been provided by General Motors

https://archive.ph/lmMp9

[–] [email protected] 18 points 8 months ago (4 children)

Car companies are directly sending this data to the brokers in exchange for “low millions of dollars.” Imagine destroying all consumer trust in a multi-billion dollar brand for so little. I would never even consider buying a GM or any brand involved in this.

[–] [email protected] 5 points 8 months ago

Yeah, I had thought about buying a Bolt because they're reasonably inexpensive EVs, but this is a definite nope from me.

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[–] [email protected] 15 points 8 months ago (1 children)

Unfortunately its not a third party module but manufacturer built-in features.

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’s 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.

[–] [email protected] 1 points 8 months ago

Wow optional is a big word here that should be at the very top of the article and this discussion.

[–] [email protected] 11 points 8 months ago (3 children)

Is there a way to disable this? Does it report though android auto? Is there a way to prevent those packets sending?

[–] [email protected] 4 points 8 months ago* (last edited 8 months ago) (1 children)

The car has a cellular connection and whoever manufacturers the car probably pays for it.

How to disable? Probably not without breaking something else. You could at best block the Connection with Lead foil but you'd have to find where it was. You might lose all Connection though - Bluetooth, FM/AM

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[–] [email protected] 146 points 8 months ago (2 children)

Comprehensive privacy law time? Nahh just ban the Chinese EVs and pretend this doesn't happen. Same thing as tiktok. You'll never be protected as long as they can point to the Chinese boogyman.

[–] [email protected] 15 points 8 months ago

Yeah, I feel like that's why the EU has such strong privacy regulations. Tech giants in our market are mostly either state-tolerated&-utilized monopolies from the US or state-owned monopolies from China.

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[–] [email protected] 21 points 8 months ago* (last edited 8 months ago) (2 children)

Moving from 64 to 65 also moves you to a different age bracket, I would guess that this is the main reason he saw a general rise on his insurance cost from all the other insurance companies.

[–] [email protected] 8 points 8 months ago (2 children)

Age buckets are so archaic

[–] [email protected] 6 points 8 months ago (1 children)

I disagree, they're effective and a reasonably privacy-friendly way of predicting risk. Younger people are generally more aggressive drivers than older people, and older people generally have worse reactions than younger people. It's one of the strongest indicators for driving behavior before an infraction is recorded.

I don't like it either, but it's better imo than using one of those driving meters.

[–] [email protected] 3 points 8 months ago (1 children)

So I’m not against using age, but binning it coarsely is the issue when it can be handled much more granularly.

64-65 is probably a negligible amount of risk increase, but 64-69 is going to be much bigger. Looking at younger ages the effect is more extreme where they’re probably charging late 20’s drivers more because they’re pooled with low 20’s.

Anyway, on average it probably works out the same, but in practice I never bin data where I can avoid it, since you get better information looking at it as a continuous range.

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[–] [email protected] 3 points 8 months ago (1 children)

I think they totally have the computer power to use an hyper parametric model with each age as own variable. A problem this could had, is that they are not going to be enough older adults to accurately assess the risk of them and the model could end showing that 80yo's are better drivers than 30yo's.

[–] [email protected] 2 points 8 months ago

You can use regression splines or lowess to locally weight the areas with low data based on what you do know, it keeps your parameter count down but still performs well even at the tails.

[–] [email protected] 35 points 8 months ago

True, but the insurance agent told him the spyware report was a factor.

[–] [email protected] 23 points 8 months ago (2 children)

But you don't have to worry if you got nothing to hide... /s

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[–] [email protected] 65 points 8 months ago (3 children)

I still have my 2010 Mazda 3. The only tech it has is Bluetooth connectivity for phone and music and some voice commands for calls.

The day I will change cars will be the day my car completely dies and there's nothing I can do about it, or it becomes illegal to drive, or it gets wrecked in an accident.

I don't ever want the new cars. I hate hate hate the stupid touch tablets they've put to control everything instead of physical knobs, and now this fucking crap where your car spies on you and rats you out to you insurance company.

[–] [email protected] 10 points 8 months ago (1 children)

Agreed.

I now need to root my Android and put a new OS so it stops telling Google where I am. I'm slightly afraid as I just want my phone to work when I need it.

I'm sure T-Mobile uses my location data for something too.

[–] [email protected] 18 points 8 months ago

Everyone calls me paranoid for even just giving a shit about being spied on. Am I supposed to enjoy getting reamed by the rich?

[–] [email protected] 18 points 8 months ago (2 children)

They can pry my 2007 Tundra from my cold dead hands.

[–] [email protected] 6 points 8 months ago (1 children)

2008 Crewmax SR5, bought new 12/2007. I feel exactly the same way.

[–] [email protected] 4 points 8 months ago (1 children)

Double Cab 4.7L SR5 (honestly no idea what SR5 even means) 8ft Bed. Bought used in 2011. Only 92k miles so far. Drove it from Philly to Anchorage and lived in Alaska for 3 years. Currently in Massachusetts. Respect.

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[–] [email protected] 2 points 8 months ago (2 children)

Later model 3 but definitely lower-tech (has the touchscreen nonsense but no internet or anything) and I plan on running it as long as possible lol

[–] [email protected] 5 points 8 months ago* (last edited 8 months ago) (1 children)

I don't know how to tell you but just because the Car can phone home with cellular - doesn't mean you will see it as a free Internet Browser.

[–] [email protected] 0 points 8 months ago* (last edited 8 months ago) (2 children)

I’m not entirely sure what you’re saying tbh.

Anyway I don’t use their GPS and I don’t let it sync contacts or other info. I Bluetooth and run music off the phone locally or my Plex server. It’s from 2016 so I’m fairly certain it doesn’t have the same data back and forth you’re seeing in more current cars. I know it doesn’t collect audio, driving patterns, etc. which is what these new systems are all doing with wild TOS’s you have to agree to, as Mozilla showed us a few months ago.

The dumb infotainment center or whatever has been spotty so I’ve actually been using the aux more lately.

Point is whatever data it’s collecting and sending, which I’m not even entirely sure is happening in any meaningful way especially the way I use it, is not really at the same level we are seeing today.

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