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The Courts Privacy Transportation

Florida Man Sues G.M. and LexisNexis Over Sale of His Cadillac Data (nytimes.com) 125

An anonymous reader quotes a report from the New York Times: When Romeo Chicco tried to get auto insurance in December, seven different companies rejected him. When he eventually obtained insurance, it was nearly double the rate he was previously paying. According to a federal complaint filed this week seeking class-action status, it was because his 2021 Cadillac XT6 had been spying on him. Modern cars have been called "smartphones with wheels," because they are connected to the internet and packed with sensors and cameras. According to the complaint, an agent at Liberty Mutual told Mr. Chicco that he had been rejected because of information in his "LexisNexis report." LexisNexis Risk Solutions, a data broker, has traditionally kept tabs for insurers on drivers' moving violations, prior insurance coverage and accidents.

When Mr. Chicco requested his LexisNexis file, it contained details about 258 trips he had taken in his Cadillac over the past six months. His file included the distance he had driven, when the trips started and ended, and an accounting of any speeding and hard braking or accelerating. The data had been provided by General Motors -- the manufacturer of his Cadillac. In a complaint against General Motors and LexisNexis Risk Solutions filed in the U.S. District Court for the Southern District of Florida, Mr. Chicco accused the companies of violation of privacy and consumer protection laws. The lawsuit follows a report by The New York Times that, unknown to consumers, automakers have been sharing information on their driving behavior with the insurance industry, resulting in increased insurance rates for some drivers.

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Florida Man Sues G.M. and LexisNexis Over Sale of His Cadillac Data

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  • by incredibale ( 6423628 ) on Saturday March 16, 2024 @09:11AM (#64319761)
    Aside from the horrendous violations of privacy this data is usually zero context information.
    • Class. Action.

    • Here's where you get you report from LexisNexis is you're interested.

      https://consumer.risk.lexisnex... [lexisnexis.com]

    • by kmoser ( 1469707 )
      Unless the data provides evidence of *who* was driving at the time, how can insurance companies reasonably use it to set the owner's rates?
      • The data doesn't need to provide "evidence". This isn't a trial. The data is providing characteristics about the vehicle, its operation, and its risk profile. If someone insures a vehicle and regularly allows people to drive it and those people drive it like assholes, the vehicle's risk is higher and so goes the rate.

        It's a huge privacy problem, absolutely.
    • zero context information.

      This is one of the problems with insurance companies. I have a tracking system on my car for cheap insurance (I don't live in the USA so it's not like those stories where you have to drive as gently as grandma after smoking 6 joints or get dinged on braking). I did have an incident recently where I did have to brake hard when some kid shot out blindly from an obscured bush and onto the road.

      I had a quite fun conversation with the insurance company afterwards when they raised my rates by $20/month. They even

    • by Askmum ( 1038780 )
      And with "shut down" you mean GM? Or are you saying the lawsuit should be dismissed with prejudice? If you do than you please relocate to China.
  • by Pravetz-82 ( 1259458 ) on Saturday March 16, 2024 @09:13AM (#64319765)
    I wonder if something like this would fly here in EU?
    • I wonder if something like this would fly here in EU?

      You also mean has fkown. Past tense. We should find out how long the abuse has been going on. GDPR isn’t that old.

      But I’d say the ultimate test is to ask those in the EU what they pay for car insurance for a similar or same car. The abuse should be identifiable in price.

      • From what I know about that piece of legislation, this would probably turn out to be very expensive for those passing the data on. Then again, some regions / countries are very lax when it comes to prosecuting - Bayern for instance.

      • to ask those in the EU what they pay for car insurance for a similar or same car.

        Many people insure a new car and then keep the policy at the same level as the car ages and dramatically declines in value, while the insurance company happily charges them high premiums to over-insure their vehicle.

        Other people shop around every year before renewing.

        So, it's common for people with the same car and similar driving records to pay very different rates.

        • It insures you against property and personal damage to others which to me is the more important coverage in a litigious society like ours.
          • It insures you against property and personal damage to others which to me is the more important coverage in a litigious society like ours.

            Yes, but the vast majority of the money paid out by car insurance companies is for damage to cars.

            And, in response ot the GP post, the cost of repairing a car does not go down with age, although the amount the insurance will pay for a tortal write-off will.

          • That's the cheaper insurance; insuring your car against random things happening to it adds considerably to the cost. My car is > 20 years old; I have liability insurance, but the car itself isn't insured because they would total it if the airbags went off.
    • Soon baby.

      The EU resists Big Data a bit for the show - and possibly because, unlike the US powers that be, they might actually care about their constituents - then they too roll over. There's just too much money sloshing around and too many powerful interest groups.

    • It does and you wonâ(TM)t hear about it because GDPR has nothing to do with data collections being allowed or disclosure about them being required. It regulates and legalizes data collection practices, setting ever expanding parameters on the things companies are allowed to do without recourse from the citizenry.

      • False. The GDPR limits the extent in which data can be passed on to third parties without express permission. Car companies collect this data, but they aren't allowed to blindly pass it on to whomever shows up with a credit card, unlike in the USA.

    • I wonder if something like this would fly here in EU?

      Not fully. The sale of this data is restricted in Europe, but the collection isn't. Your data is absolutely being collected. In some cases this is even a feature e.g. Volvo has an app with which you can lookup this data, which sounds bad, unless you are the type of person who has to fill out a logbook.

  • I wonder if there is a legal definition of hard. Is it some number of gs? Is it whatever the automaker decides?
    • Their definition of hard: the amount of excitement the C-Suite at insurance companies feel raping consumers.

    • The word "legal" implies there's some kind of regulation going on. There isn't any.

    • Further, do they have some evidence, a lot of it, that shows that people with a certain acceleration/braking profile cause more use of insurance?

      This seems like an excuse to charge more but without evidence that the increase is justified. Was the insurance company losing money before this new form of spying?

    • Hard braking? Like, say, when you're trying to avoid running a red light?

      • Hard braking? Like, say, when you're trying to avoid running a red light?

        Or a dog runs into the street in front of you. Or, as happened to me this morning, making a left turn at your green light and the person from your right believes their red light is optional as they make a left turn in front of you. Or, as happened to me today by coincidence, the traffic in front of you suddenly brakes on the highway and even though you're keeping a safe driving distance, you need to apply the brakes to avoid plowing into the person in front of you.

        There are a multitude of legitimate reason

    • I wonder if there is a legal definition of hard. Is it some number of gs? Is it whatever the automaker decides?

      Legal definition? Probably not.

      Insurance company's definition? Most likely the braking you have to do when you catch one of those short yellow lights, and the acceleration you have to do when dealing with one of those poorly designed left exits on the highway.

    • You firmly press on the pedal.

      Thats it. Its not even a joke.

  • by Kiaser Zohsay ( 20134 ) on Saturday March 16, 2024 @09:27AM (#64319797)

    Doing something useful for once.

  • I'm conflicted (Score:4, Insightful)

    by HiThere ( 15173 ) <charleshixsn@ear ... .net minus punct> on Saturday March 16, 2024 @09:45AM (#64319823)

    This actually seems like reasonable information for an insurance company to want. And safer drivers make it safe for others. But mining personal data is, in general, a social disaster. And the insurance company shouldn't have access to the PLACES he visited.

    My first thought is that they car companies should be required to do full public disclosure in an intelligible to an average high schooler and octogenarian manner of any information they are collecting, and explicitly state how that information will be used. And be legally bound by that with severe penalties, including, but not limited to, payment to the owner of the car of triple any expenses incurred as a result of their using the information in a non-disclosed manner. (So here it would be paying him triple the increase in his insurance rate. Plus any lawyers feeds, and triple minimum wage for any time he had to spend as a result of their actions.)

    • Actually theft and accident rates vary by location, so insurance companies have a financial incentive to know this.

      Of course, where you go is a bigger privacy concern than how you drive. I wonder when they'll start tracking whether girlfriends/children are in the car with you, I bet that impacts accident rates and claims amounts.

    • by m00sh ( 2538182 )

      This actually seems like reasonable information for an insurance company to want. And safer drivers make it safe for others. But mining personal data is, in general, a social disaster. And the insurance company shouldn't have access to the PLACES he visited.

      My first thought is that they car companies should be required to do full public disclosure in an intelligible to an average high schooler and octogenarian manner of any information they are collecting, and explicitly state how that information will be used. And be legally bound by that with severe penalties, including, but not limited to, payment to the owner of the car of triple any expenses incurred as a result of their using the information in a non-disclosed manner. (So here it would be paying him triple the increase in his insurance rate. Plus any lawyers feeds, and triple minimum wage for any time he had to spend as a result of their actions.)

      What was in his driving that insurers all rejected him?

    • by Somervillain ( 4719341 ) on Saturday March 16, 2024 @11:16AM (#64319989)
      I worked for a major software firm partnering with a major insurance company long ago...when this was brand new. I can't name names, but if you're American, you'll definitely recognize the insurance company. The software tracks your location and your acceleration. What they mine is deceleration. They don't care that you accelerate. They initially wanted location, but rejected it and I'll explain at the end.

      They have the capability to track your location. They're very interested in theft. In fairness, they have good intentions. Your vehicle is much more likely to get stolen if you work in Detroit than if you live and work in Grosse Point (a wealthy suburb nearby). They wanted to offer discounts to people working in low-crime areas to compete with their rivals.

      In general, I believe them that they were acting in good faith about 15 years ago when I was working on this. They were keeping their rates as-is, but wanted to offer discounts to drivers who put a device in their car to confirm they're safe drivers who are at low-risk of theft. Insurance is fairly competitive in the USA and there are a bunch of major players, so this major player wanted to offer some discounts. There's an obvious downside...in that you're penalizing the poor for being victims at no fault of their own...but insurance is a heartless sociopathic business...and frankly, that's quite minor compared to the abuses in US Health Insurance. So...to all you bleeding hearts....here's a pre-emptive fuck off and grow up...people have businesses to run. Your choices are pay more for your social virtues...or make those who cost more pay more...and this is a reasonable compromise between the two extremes

      The official answer on location was they declined to collect the information because it didn't provide enough value upon further research, so they were going to not send the data for cost efficiency. The rumor was they wanted it, but executives realized that if the data was mined, it would likely be sold to marketing firms and easily accessible to divorce attorneys. :). Apparently a lot of insurance executives have mistresses, secret families, lots of visits to bath-houses, etc.

      No matter how much you anonymize car data, you can easily figure out who is who. Even if you remove the top 2 locations they park at (work and home)....even if you remove all residential stops...you're still logging transit data, so you know they're driving on the roads to go home, you just have gaps in where they stop. You notice they stop at gas stations near their house and relative's houses often. All you need is their Target history and you can easily correlate the 2 and confirm a match.

      To be honest, I am surprised some sketchy business in the UAE, Russia, or Iran doesn't already offer this stalking information. Remember the Grindr Priest [slashdot.org]. I'm surprised someone isn't monetizing this now. Even if it's not that accurate, people will still pay for it. So much data is available for purchase to marketers, why isn't someone buying/stealing this and selling it to jealous girlfriends or vindictive bosses?

      That said, this is a really offensive breach of customer data. I am already paying GM a rather hefty price for a vehicle. It should be illegal for them to further monetize it by selling my data without my full consent. Any hiding it in terms and services is bullshit. They should have to ask for my consent every time they sell it and pay me a portion of the revenue....and if they fail to do so, I should be able to sue them for all the revenue lost. I know it's not a lot of cash, but a great way to curtail abuse is to make them accountable for the revenue. If you see a $0.20 check coming in each month, it'll make it crystal-clear GM is abusing your data. If you're fine with it, enjoy the pocket change. If you're not, then it will make their competitors much more appealing.

      As an American, why does GM have to make themselves a perpetual embarrassment? I want to support American companies, but the more I learn about GM, the more I want to go back to Toyota when my current car dies.
      • What's all the information you removed with the ellipses?
      • by dgatwood ( 11270 )

        They have the capability to track your location. They're very interested in theft. In fairness, they have good intentions. Your vehicle is much more likely to get stolen if you work in Detroit than if you live and work in Grosse Point (a wealthy suburb nearby). They wanted to offer discounts to people working in low-crime areas to compete with their rivals.

        This should, of course, be illegal. There should be one national market for insurance, and it should be unlawful to charge people more money because of where they live. It tends to be a proxy for, among other things, either racial discrimination or age discrimination, depending on which region you're talking about.

        There's an obvious downside...in that you're penalizing the poor for being victims at no fault of their own

        That, too.

        and frankly, that's quite minor compared to the abuses in US Health Insurance.

        Which should *also* be a nationwide market for the same reason, and insurance companies shouldn't even be able to ask where you live or work except to the extent necessary to send you

        • Insurance companies should not be able to use deceleration data, because that's not a reliable indicator of how likely someone is to have a wreck. More rapid decelerations could indicate that they're reacting too slowly (more at-fault wrecks) or it could indicate that they're reacting more aggressively than needed (likely fewer at-fault wrecks), and there's no way to know which of these is the case without combining it with camera data and careful analysis of the video footage leading up to the event. And even then, I'm not entirely convinced I would trust them to get that analysis right. After all, if it were easy, we'd all have self-driving cars by now.

          So...they're actually interested in getting the data right and they have statistics for this. What you're saying makes perfect sense and I agree with it in theory, but if the analysis indicates that people who decelerate get in more accidents then denying a discount of their advertised rates is not unreasonable. Also, consider that the more aggressive person may be more cautious, but they're also being exposed to more situations in which they nearly had an accident. In theory, people don't slam on their

      • Too much granularity in insurance data defeats the purpose of insurance pools: That is to spread the risk among a group such that a harm to one is borne by the whole without hardship.

        Actuarial tables already provide risk analysis for groups, individualizing beyond that is counterproductive.

      • by mjwx ( 966435 )

        In general, I believe them that they were acting in good faith about 15 years ago when I was working on this. They were keeping their rates as-is, but wanted to offer discounts to drivers

        Erm... I hate to be the one to break this to you but that is corporate double-speak for "we want to find out how to charge people more and justify it". The rates for people in nice areas might only go up a little, but in less salubrious neighbourhoods the data will be used to justify a price increase.

        Insurance companies are notorious for it here in the UK... If I put my first name as Mohammed rather than Michael, my insurance sky rockets. Doesn't matter where I live. If Mohammed changes his first name to

      • To be honest, I am surprised some sketchy business in the UAE, Russia, or Iran doesn't already offer this stalking information.

        Try running for public office in America and see how far you get. This information is definitely kept and used.

    • by orlanz ( 882574 )

      "Information" is the key word here. It appears to mostly be garbage or worse misleading. I have one of those trackers in my car. Luckliy, the insurance company is too cheap to put a SIM in it and wants to use my cellphone and app. So it tracks your trips and sends you alerts and advice. The number of things it gets wrong is astounding!

      Heavy acceleration detected, off a speed bump jumping to 30 in a 25mph zone. Or on a short on ramp to a highway. Heavy breaking, when you come to a slightly faster halt

      • by dgatwood ( 11270 )

        The number of things it gets wrong is astounding!

        Heavy acceleration detected, off a speed bump jumping to 30 in a 25mph zone. Or on a short on ramp to a highway. Heavy breaking, when you come to a slightly faster halt due to a light changing to yellow.

        The evil voice in my head says, "Just run the light like everybody else does. That will make driving safer for sure." :-D

    • Personally I feel it's reasonable for insurance companies to raise rates for people intentionally engaging in risky behavior. They should also help those people identify that behavior, and lower rates if they correct it. Everyone wins.

      On the other hand it should be illegal to raise rates based on factors the insured can't control, for example for medical insurance based on medical history, medical problems that run in the family, etc. The point of insurance is to spread the cost of such things across a lot

    • This actually seems like reasonable information for an insurance company to want. And safer drivers make it safe for others. But mining personal data is, in general, a social disaster. And the insurance company shouldn't have access to the PLACES he visited.

      Everything I've read about this issue states that location data was NOT included in the LexisNexis report sent to the driver that requested a copy of their data, although that report was generated for a GM vehicle that wasn't mentioned in this particula

    • This actually seems like reasonable information for an insurance company to want.

      Yes. Wanting more data about the risk factors of customers makes sense for them. But do we want them to have it?

      We must, because we have not outlawed collecting and selling it. This is legal in the USA. Information is the legal property of whomever collects it (with very few exceptions).

      The only way to fix it is to make collecting unnecessary data illegal-at least for businesses. But (unless carefully crafted) that potentially becomes a conflict with our personal rights (how can I not have the right to

    • This actually seems like reasonable information for an insurance company to want.

      So you are okay with the ultimate in privacy violations all so an insurance company can set a payment rate? I guess the ends really do justify the means. And I have to live under the same government where you vote. Fuck me and fuck you.

  • As google is hurting for cash, this is (one of) the future of google maps. It stores all that information (why is it uploading so much data to Google when you're on maps?) and will sell it if it hurting for cash.

    • I have a love/hate relationship with Google Maps. I know that every time I use Google, they're adding it to a profile of me. Like Facebook, it will draw from every possible source that Google has access to. Google likely already knows more about me than I do. They also know my social relationships based on others in my family using their phones to search things - don't forget, even if location services are off, they still log and then upload those logs the next time you authorize location services.

      I wou

    • Exactly. The car companies aren't "sharing" it, they're selling it.

  • by m00sh ( 2538182 ) on Saturday March 16, 2024 @10:32AM (#64319903)

    The GM cars take more than trip data. It uploads data from every sensor it has. From when you opened/closed your doors, to your occupancy, to your temperature settings. Everything the car can record, it will record and send it.

    The crazy thing is that they make you pay for the equipment to enable them to spy on you.

    • >The GM cars take more than trip data.

      When I got my Chevy, literally the first thing I did once I had it in my driveway was to rip out the external communications computer and confirm that doing so didn't stop any other functions I cared about from working. Now if I could just get the 'smart' dash system to respect my will about the dash brightness...

      Usually when I buy a car, my first move is to remove the stupid dealer license plate bracket, but just on basic principles I'm not going to have my car sp

      • by SNRatio ( 4430571 ) on Saturday March 16, 2024 @11:37AM (#64320047)
        I was curious about that for my next car. Apparently Toyota runs the left front speaker through the Data Communication Module on at least some of their cars. If you kill power to the DCM (which has its own backup battery) you lose the speaker as well. I can see the reasoning - it functions as an emergency communication system you would use after an accident when it isn't hoovering up all of your data. But still annoying.
        • If you're buying new... tell the salesman you want to see the car function with the DCM disabled before you sign. If you're buying used, it should be easy enough to test.

          This assumes that the answer can't be had with some Internet searching.

          Then comes the difficult part - if you're really dedicated to your privacy and principles... you have to walk away from any car that spies on you and can't be stopped from doing so.

        • I got curious and googled it. I've seen a claim that you can short a couple of pins to bypass this... if you're set on a Toyota, it's worth the research.

    • It's a good thing no other car company is doing this, right? Right?

  • by v1 ( 525388 ) on Saturday March 16, 2024 @10:35AM (#64319905) Homepage Journal

    I don't see a single post here talking about how their good driving habits are saving them money on lower insurance rates... If one group is being charged more, there MUST be another group getting charged less. This discussion is definitely not unbiased.

    That being said, I still don't like the idea of a product that I (or my bank I suppose) 100% own collecting data on me and selling it, regardless of whether that works for or against me in the end. Now when I'm using Google to search for something, I'm fully aware that they're providing me with a service at no cost, in exchange for collecting and selling statiscis about my activities. But this is different - I doubt it's in the fine print on the purchasing agreement and I'd wager most owners would say they're not expecting this to be happening. It really feels illegal to me, violating my privacy without notice or compensation.

    But I'm sure they just look at this as another source of revenue, and will continue to do it for as long as they can, as any big business will do.

    • I don't see a single post here talking about how their good driving habits are saving them money on lower insurance rates... If one group is being charged more, there MUST be another group getting charged less. This discussion is definitely not unbiased.

      Insurance rates have increased across the board by 25-40% since 2020, depending on who's numbers you believe. *NOBODY* is getting *lower* insurance rates, which is why nobody is talking about that.

      But let's go your way for a second and assume that insurance companies *did* lower rates based on good driving habits. Such a program would be more of an opt-in thing, like Progressive's Snapshot. Now, what's interesting about this case study is how the article seems to be optimistic, but it's easy to pivot them differently. 57% of shoppers (i.e. non-Progressive customers) knew about Snapshot, but 89% of *customers* (i.e. people who signed up to be insured by the carrier) 'nope' out of it...so when telemetry is explicitly opt-in, most people don't.

      Of those who *did* sign up, they only listed their overall satisfaction at 7.1/10, meaning that there were *very* few people who rated at 9 or 10 ('7' tends to be the default in such surveys). The two most common complaints were that the savings received from having all their driving monitored didn't meet expectations, and that the snapshot system gave demerits for 'hard braking' at levels that weren't contextually relevant. A distracted driver hard-braking to avoid a rear-end collision that would have been a direct consequence of their distraction is vastly different than a driver avoiding a side swipe from another driver merging carelessly. While any onlooker would see a chasm of difference between the two, telemetry doesn't differentiate, and the alert, defensive driver would get penalized as much as the distracted driver. Worse yet, the careless merger wouldn't get a demerit at all despite nearly causing an accident. All this for a best-case-scenario of $231 in savings per year, i.e. less than how much my insurance went up last year anyway, and I didn't have an accident or a ticket.

      So, in practice, people don't opt in when it's made abundantly clear that they're being tracked. Florida Man's case revolves around the fact that the telemetry being used against him was not collected with his truly-informed-consent. I do sincerely hope that he wins, because the problem here isn't that telemetry is possible (to your point, I'm perfectly fine with people opting into Snapshot or something like it if they so choose), it's that it's basically impossible to know who's collecting what, and how it's being interpreted. I'd love nothing more than for the case to go to SCOTUS and determine that auto makers *must* provide a way to expressly disable all telemetry from vehicles *and* that insurance companies cannot use the absence of telemetry as an actuarial metric...but it'll take a Florida Man to make the case get that far.

      • I thought I linked my source...Citation for the Snapshot study: https://canada.jdpower.com/sys... [jdpower.com]

        • When I signed up for car insurance through Progressive, they pitched the "Snapshot" discount at me. Plug a module into my OBD2 jack, it communicates via my smart phone to their computers. I could save "up to" 15%. I asked how long I needed to have this thing plugged into my car. They said 6 months. 6 Months! That's not a snapshot, that's more like a portrait!

          On top of that, they were going to use my phone data plan to send this information to their computers to snoop on me. I did a hard pass. Not enough
      • You need to opt in but dealers may opt you in without your knowledge
      • by sinij ( 911942 )

        Insurance rates have increased across the board by 25-40% since 2020, depending on who's numbers you believe.

        Yes, but average car costs and more importantly average repair is significantly up. Fender bender used to be a bumper respray, now it is LIDAR module, parking sensor plus work to install it. On top of all of that, it is much easier to steal the new car as wireless keys are categorically more vulnerable that a typical old school mechanical key.

      • Insurance rates have increased across the board by 25-40% since 2020, depending on who's numbers you believe. *NOBODY* is getting *lower* insurance rates, which is why nobody is talking about that.

        Insurance rates have increased due to the cost of insurance increasing. Increase in car thefts, increase in cost of repairs. I remember getting a windscreen replaced 10 years ago, $75, insurance paid all of it. Now I have just had one replaced last year, $900, oh and the car had to go back to the manufacturer to recalibrate sensors.

        meaning that there were *very* few people who rated at 9 or 10

        This is an insurance company. I don't know anyone who has rated any insurance company a 9 or 10. They are among the most hated industries on the planet, right up there with ISPs.

  • by Pinky's Brain ( 1158667 ) on Saturday March 16, 2024 @10:36AM (#64319911)

    Ignoring legality, GM needs to immediately identify the people who greenlit this and very publicly make someone resign.

    They won't of course, because suits conspire against their own company half the time ... but no fucking way this makes any long term business sense, this is brand suicide.

    • Something like this doesn't happen without EVERYONE at the top being involved.

      You'd actually have fewer people involved in middle management because only one team would really be required and maybe 2-3 managers related to the organizational groups that team was built from. And of course a few of their peers would be aware from peripheral discussions at otherwise unrelated meetings. But at the top you'd have everyone in the know, and they'd be involving operations, IT, sales, marketing, finance, R&D, le

    • It's only brand suicide if only a few companies sharing data. Since the data is actually being used by insurers I have to assume it's widespread across the industry. Each car company just hoping they aren't the first to get found out, but I'm sure they quickly point out out how common it is to save face.

    • Ignoring legality, GM needs to immediately identify the people who greenlit this and very publicly make someone resign.

      Why? This is the USA. Firstly collecting such data is legal (you read your Terms of Services right? I know Florida Man didn't). Secondly selling such data is legal. Why would GM make someone who found a new profit centre for the company resign?

      This is just like those people who criticise oil companies for drilling for oil. That product is legal, the government grants permission. Being angry at someone for doing something which is allowed to make money is silly. You need to address the problem at the fundame

    • The data collection program for vehicles is authorized by the same group that authorized the data collection from your computer. Microsoft will never be prohibited from it and neither will the car companies. God I can't wait for the ChristoFascists to get control. This is going to the ultimate in hilarity. Everyone alive will get examined by a morality AI. I am glad I am dying soonish. We are heading towards a very unique version of hell on Earth.

  • And they capture it regardless of what car you're in.
  • I never enabled the 'tracking' in my myChevrolet app/website (it's called smart driver). I ensured that it was off when I bought the car. The dealer was going bananas trying to get me to create a myChevrolet account. Now it makes perfect sense why, they must be getting a kickback as well. Anyway, some scare mongers said that they track & sell the info even if you have smart driver turned off. So, I proceeded to request my LexisNexis data and indeed there is nothing related to my driving habits in it so
  • by FeelGood314 ( 2516288 ) on Saturday March 16, 2024 @11:38AM (#64320049)
    This should be banned for safety reasons. I do not want drivers becoming hesitant about hard breaking in an emergency because they think their insurance rates will go up. I live in Ottawa Canada and we had a bus hit by a train a few years ago. As with most accidents there were multiple issues that lead up to the accident but one of the findings was that the bus driver realized that he was driving onto a track with an on coming train. The bus recorded the driver breaking but the driver didn't break hard enough. Had the driver slammed on the breaks he would have stopped in time. However the drivers are trained not to break hard because of standing passengers and are penalized if riders are hurt from hard breaking. You rarely ever want to create a situation where doing the safe thing is penalized.
    • I'm trying to imagine a world where *everyone* drove with a driver's license examiner in the passenger seat.
    • This should be banned for safety reasons.

      The cost of having an accident is worse for your insurance premium than the cost of hard braking. This kind of thought process simply doesn't factor into an emergency.

      Basically if you think someone is going to hit you because they are thinking about their insurance premiums during an emergency then they are going to hit you one way or another because they simply do not know how to act in an emergency. (It's like those people who insist they need a powerful car because they can accelerate to avoid an acciden

    • This should be banned for safety reasons. I do not want drivers becoming hesitant about hard breaking in an emergency because they think their insurance rates will go up.

      It doesn't matter what you want. Statistically speaking, it is better for people to be hesitant about hard braking because hard braking almost always precedes an accident. Fewer hard braking events equals fewer accidents statistically speaking...

      Does anyone have anywhere handy to go throw up? I am feeling it very strongly right about now.

  • With a name like that, I'm not surprised he has to pay quadruple for car insurance.
  • https://consumer.risk.lexisnex... [lexisnexis.com]. In some states you can opt out. At the very least, you can get a free copy of what's being reported on you.
  • We should decide now if it will be legal for your personal robot to testify against you.

    Also, will the government be allowed a backdoor into your personal robot to spy on you?

    Needs some laws on the books for that.
    @Scott Adams
    https://twitter.com/ScottAdams... [twitter.com]

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