Data privacy - vehicles

Could tesla still sell data if u turn off no data sharing? Hard to trust em. 

Seems that 25+ car dealers are all guilty of selling data to car insurance co.s.  Half of the data is BS… like near misses when u stop,formyour pet in the driveway.  See video on it.  Lexisnexis is a place to check for ur bs score.  

*** Consumers who are interested in what driving data has been collected about them can request their LexisNexis reports.)

Request here

https://consumer.risk.lexisnexis.com/request

Acknowledgment Message

Your request has been received. You will receive a message via US Mail within the timeframe allowed by law. We will verify the information you provided with information in our records. We may not be able to comply with your request if we are unable to confirm your identity or to connect the information you submit in your request with personal information in our possession. If you do not receive a message via US Mail within 10 days, please contact the LexisNexis Consumer Center at 888-497-0011.

• The not so nice phone apps that also sell to insurance co.s https://financebuzz.com/apps-selling-driver-insurance-data
• Life360, used by parents to track kids' locations.
• MyRadar
• GasBuddy
• Probably others
• Gas Buddy, which helps drivers find gas stations that offer the cheapest fuel; and MyRadar, which tracks storms and inclement weather, all have opt-in driving analysis features that rely on sensor and motion data transmitted by smartphones, according to the report.      The opt-in feature for Gas Buddy gives users information on the fuel efficiency for their drives — a technology that is “powered by Arity.”
• A GasBuddy spokesperson said that Arity offers “enhanced services” and “personalized offerings” to users “who choose to opt in.”
• Life360.. opt-in function which collects drivers’ geolocation and mobile device sensor data ... shares it with Arity “so they can work with participating insurance companies to better understand how you behave behind the wheel and make offers based on how you drive.” Via NYTimes. 
• LexisNexis DEFINITELY CARES about acceleration. 
• From NYTimes: "During that same trip, the LexisNexis report recorded two instances of rapid acceleration and two incidents of hard braking." Got it from GM ONstar. 
• Lexus the car company... OPT OUT is a call in? WTF?
• If you have questions or concerns about this Privacy Notice, or would like to request deactivation of data transmission, update your Account Information, or opt-in or opt-out from particular features, please contact us.
• 
  
• Phone:(800) 255-3987 Link:https://www.lexus.com/contact Support Request Link:https://support.lexus.com/s/questions-comments Address:Lexus P.O. Box 259001 - Mail Drop E1-5A Plano, TX 75025-9001
• **** BUT THEN... The other day I went to renew my remote start service. It gave me the option to not have them collect my data. When I selected that option, they said that I couldn’t have remote start. So basically if you subscribe to any of their services you have give them your data.
• Honda, etc. via NYTimes...
• Ford will only share driver behavior data with an insurance company if the driver gives explicit consent via an in-vehicle touch screen, according to a company spokesperson.
• Kia, Mitsubishi, Hyundai, Honda and Acura enable drivers to turn off data collection relating to on-road behavior in their apps.
• Telsa... watch out
• Here is how they can say they don't share your data; they share a "Driving Score" calculated from your driving data. Of course this "Driving Score" shared with insurance companies will drive up your costs (or in theory down if you drive safely). So I think it's a bit disingenuous of Tesla when they do share a proxy for your driving data with insurance companies. The issue is do they make this very obvious to you when you opt in. From what I've seen, I think Tesla may be better at making this clear to us than other car companies that bury it in the fine print.
• Stop cars from stealing data maybe: https://www.consumerreports.org/electronics/personal-information/how-to-stop-your-car-from-collecting-sharing-driving-data-a1233378612/
• 2024 info on it https://insurancenewsnet.com/innarticle/lawsuits-target-use-of-driver-data-by-insurers-automakers
• Disable GM onstar (reminds me, I read one guy had the hardware disabled or ripped out, and GM warranty was voided, he was totally fine with it) https://www.silveradosierra.com/threads/disable-onstar-completely-22-24-1500.760765/
• Yt documentary on car company's stealing your data, incr insurance costs https://www.youtube.com/watch?v=PAfjQKT3vBU&list=LL&index=2&t=17s&pp=gAQBiAQB

UPDATE: Read Tesla's safety score rules they use (supposedly only if you buy Tesla insurance, not sure I believe it): https://www.tesla.com/support/insurance/safety-score#version-2.2   and see https://www.makeuseof.com/see-tesla-safety-score/

1. Things like, hard braking, counts a little I think. 
1. Funny b/c autopilot will slam on its brakes at the last minute when ppl are stopped far ahead. 
2. Close following, counts for way more I think. 
1. And says, if following 1 second behind or worse, that counts. Something about compared to your 3 second or better following. ONLY at speeds 50 mph or more. Funny, b/c their autopilot drives way closer than 2 seconds very frequently. 
3. No seatbelt, counts for a good chunk. 
4. Excessive speeding it weird:
1. Excessive Speeding is defined as the proportion of time spent driving in excess of 85 mph or driving 20% faster than the vehicle in front of you, when that vehicle is going over 25 mph and is within 100 meters of your vehicle. This value is expressed as a percentage of total driving time and is capped at 10.0% in the Safety Score Beta formula. Speeding while on Autopilot is not factored into the Safety Score Beta formula.
5. Late night driving, 11PM-4AM.
6. "forced autopilot disengage" 
1. The Autopilot system disengages for the remainder of a trip after the driver has received three audio and visual warnings. These warnings occur when your Tesla vehicle has determined that the driver has not applied sufficient resistance to the steering wheel or has become inattentive. Forced Autopilot Disengagement is introduced into the Safety Score Beta formula as a 1 or 0 indicator. The value is 1 if the Autopilot system is forcibly disengaged during a trip, and 0 otherwise.
7. Interesting... Tesla doesn't count fast acceleration as a thing, so they say at least. 

Note these things in Reddit: https://www.reddit.com/r/personalfinance/comments/nax9mu/why_you_might_want_to_order_your_lexisnexis/

pteridoid

4y ago

Used to work at LexisNexis Risk Solutions. This does not surprise me. For years, their MO was quantity over quality. They got paid per record collected, and there was almost zero oversight to make sure their records were accurate.