Your 'Connected' Car May Be Transmitting Your Driving Data to Insurance Companies

[reffahcs]

More commentary of the article

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[Maxx]

If you believe three of the largest industries and corporations on the planet are in such flagrant violation of the law, by all means take legal action. Let us know how that goes. Those who are more realistic will do what we can to meet our needs here in reality.

You can do both. Reality is shaped by those that make an effort to change it. Even if the lawsuit goes nowhere, it will cost the company money and bad publicity.

Like Ford announcement with NACS, the first company announcing they really are not going to screw you over with your data and will be transparent has a competitive advantage. And the rest are forced to join even if our legislators are bought and paid for.

 

[25Mattman]

If you believe three of the largest industries and corporations on the planet are in such flagrant violation of the law, by all means take legal action. Let us know how that goes. Those who are more realistic will do what we can to meet our needs here in reality.

Take it from the horses mouth.


"FORD MOTOR COMPANY AND LEXISNEXIS RISK SOLUTIONS JOIN FORCES " https://media.ford.com/content/ford...-motor-company-lexisnexis-risk-solutions.html

"By leveraging data sourced through the Telematics Exchange, insurers can have an easier path to access driving behavior data for point of quote, underwriting and renewal, whether or not they have an existing insurer-led UBI program."

 

[reffahcs]

Take it from the horses mouth.


"FORD MOTOR COMPANY AND LEXISNEXIS RISK SOLUTIONS JOIN FORCES " https://media.ford.com/content/ford...-motor-company-lexisnexis-risk-solutions.html

"By leveraging data sourced through the Telematics Exchange, insurers can have an easier path to access driving behavior data for point of quote, underwriting and renewal, whether or not they have an existing insurer-led UBI program."

That's normalized data though, which to me means generic data that's good for say identifying trends, but not identifying information associated to a person's driving habits. We shall see though, I just requested a copy of my consumer disclosure report. It said it was going to take a few weeks, but I'll report back once I get it.

Honestly this is the same thing that "free apps" have been doing on cell phones for decades. I've seen demos of aggregated big data and it's pretty nuts. It's exactly part of the reason Apple decided to randomize MAC addresses for WiFi and Bluetooth, because they were being used as unique identifiers.

 

[25Mattman]

That's normalized data though, which to me means generic data that's good for say identifying trends, but not identifying information associated to a person's driving habits. We shall see though, I just requested a copy of my consumer disclosure report. It said it was going to take a few weeks, but I'll report back once I get it.

Honestly this is the same thing that "free apps" have been doing on cell phones for decades. I've seen demos of aggregated big data and it's pretty nuts. It's exactly part of the reason Apple decided to randomize MAC addresses for WiFi and Bluetooth, because they were being used as unique identifiers.

If it includes the VIN, it is not privatized or normalized data. They cannot offer you a specific quote without identifying you.

 

[Labs4Lightning]

I just did this too. It's annoying that Ford gives a generic warning that some features may not work but does not say what those are.

I also requested a copy of my LexisNexis data here: Order Your Report Online - LexisNexis Risk Solutions Consumer Disclosure to see what they have on me. California residents have additional options to limit or opt-out of sharing by LexisNexis

@BoomerRocco
we all have ability to opt out of Lexis nexis, its not limited to the great state of California

 

[reffahcs]

If it includes the VIN, it is not privatized or normalized data. They cannot offer you a specific quote without identifying you.

Well if it includes the VIN then yeah it's probably not a stretch to get the owner info, but not for the average person.

Has anyone seen their report yet? Curious if anyone has first hand knowledge about the actual data that is reported. Personally I think that's some marketing fluff, I think they're just getting more accurate information about how certain groups of people drive certain types of cars in certain areas. But hard to say without seeing the actual data.

But they do say the data is normalized.

"LexisNexis Risk Solutions ingests and normalizes connected car data through its data platform, the LexisNexis Telematics Exchange, to create driving behavior insights for U.S. insurance carriers to use within their existing auto insurance workflows. This enables insurers to more accurately segment risk, while providing consumers the opportunity to reduce the overall cost of vehicle ownership by taking advantage of good driving behavior. By leveraging data sourced through the Telematics Exchange, insurers can have an easier path to access driving behavior data for point of quote, underwriting and renewal, whether or not they have an existing insurer-led UBI program."

 

[25Mattman]

Well if it includes the VIN then yeah it's probably not a stretch to get the owner info, but not for the average person.

Has anyone seen their report yet? Curious if anyone has first hand knowledge about the actual data that is reported. Personally I think that's some marketing fluff, I think they're just getting more accurate information about how certain groups of people drive certain types of cars in certain areas. But hard to say without seeing the actual data.

But they do say the data is normalized.

"LexisNexis Risk Solutions ingests and normalizes connected car data through its data platform, the LexisNexis Telematics Exchange, to create driving behavior insights for U.S. insurance carriers to use within their existing auto insurance workflows. This enables insurers to more accurately segment risk, while providing consumers the opportunity to reduce the overall cost of vehicle ownership by taking advantage of good driving behavior. By leveraging data sourced through the Telematics Exchange, insurers can have an easier path to access driving behavior data for point of quote, underwriting and renewal, whether or not they have an existing insurer-led UBI program."

You're not understanding. It's not possible for them to offer a personalzied quote to people who did not opt in without the data identifying you. That is what they publically posted in this article

"FORD MOTOR COMPANY AND LEXISNEXIS RISK SOLUTIONS JOIN FORCES " https://media.ford.com/content/ford...-motor-company-lexisnexis-risk-solutions.html

 

[Toby57]

That's normalized data though, which to me means generic data that's good for say identifying trends, but not identifying information associated to a person's driving habits. We shall see though, I just requested a copy of my consumer disclosure report. It said it was going to take a few weeks, but I'll report back once I get it.

Honestly this is the same thing that "free apps" have been doing on cell phones for decades. I've seen demos of aggregated big data and it's pretty nuts. It's exactly part of the reason Apple decided to randomize MAC addresses for WiFi and Bluetooth, because they were being used as unique identifiers.

Exactly, it is actually funny. Folks that will download nine apps to find the next charger are concerned one of those apps might be sharing or selling info.
I don't need fordpass to operate my truck.

 

[Ecstatic]

@BoomerRocco
we all have ability to opt out of Lexis nexis, its not limited to the great state of California

I saw options to opt out for 5 or 6 states, but I could not find an option for those of us who reside in a state not listed to op out. Do you have a link?

 

[reffahcs]

I saw options to opt out for 5 or 6 states, but I could not find an option for those of us who reside in a state not listed to op out. Do you have a link?

Give this a go https://optout.lexisnexis.com/

 

[Ecstatic]

Give this a go https://optout.lexisnexis.com/

That link appears to be specific to New Jersey, unless I’m missing something.

 

[reffahcs]

That link appears to be specific to New Jersey, unless I’m missing something.

I took the part about New Jersey to be something specific to that state. The form itself is for everyone as far as I understand it.
https://www.lexisnexis.com/en-us/privacy/for-consumers/opt-out-of-lexisnexis.page

 

[reffahcs]

I took the part about New Jersey to be something specific to that state. The form itself is for everyone as far as I understand it.
https://www.lexisnexis.com/en-us/privacy/for-consumers/opt-out-of-lexisnexis.page

Not to be confused with their Direct Marketing opt out form.... Starting to wonder how many opt-out forms Lexis Nexis has?
https://www.lexisnexis.com/privacy/directmarketingopt-out.aspx

 

[reffahcs]

Exactly, it is actually funny. Folks that will download nine apps to find the next charger are concerned one of those apps might be sharing or selling info.
I don't need fordpass to operate my truck.

Yeah pretty much. Not that I want my car spying on me, but it's a lot bigger than your car....

Oh you have a cell phone? And you use a computer too?

https://risk.lexisnexis.com/state-privacy-act-notice

Makes you really want to consider off-grid living.

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