Is Your Car Spying On You Right Now
Is your car new enough to have a touchscreen and “smart” features? Uh-oh.
Is Your Car Spying On You? Chances Are Pretty Good
I live in Las Vegas, and my car insurance rates went up – just out of the blue! I called my insurance company recently, to see WHY? My “zip code” is always the culprit – as is everyone’s in Las Vegas, from what they are told. They offered me a device you “just put on your car” that tracks how you drive, that will save me a few dollars a year. A SPY? No thank you.
If your car has “smart” features, it might already be spying on you, and reporting back to the man. The New York Times did a big article on how car companies are tricking people into using free apps that let them share data with third parties. Then they sell data about your driving habits to insurance companies, who up your rate based on things like speeding and “hard braking.”
Are You A Risk To Others, And Who Decides That?
The site Boing Boing has a first hand report from a man, who was a little confused as to why his insurance went up so much? We ALL wonder that, and this could be why. He was told his Lexis Nexis report was why. The report is information that is gathered and kept on you, with regards to your consumer risk.
The guy requested a consumer disclosure report – which has to be provided per the Fair Credit Reporting Act. He got over 100 pages detailing every time he or his wife drove over the past six months. It included the dates of 600 plus trips, start to finish. The distance driven, and any speeding, hard braking, or fast accelerations. Spies!
The New York Times did a big story on how car companies are doing this. They pay for the data, of course, and if they don’t like how you’re driving, BOOM – they’ll raise your rates. Sometimes even double them!
The article talks mainly about G.M. But most of the major car companies are doing it now. And they TRICK you into using free apps. And the fine print – which no one reads, but we really should – says they can share your data with “third parties.”
Smart Apps Apps Are Tacking Your Driving
One app is called OnStar Smart Driver. It is pushed as something to “help you become a better driver.” G.M. says use it to share insights about braking, accelerating, and any time you drive over 80. If you enabled it, you can un-enroll any time. But you might not even know you signed up. Some car dealers get bonuses now if THEY sign you up. You wouldn’t know unless you looked at the fine print really carefully.
The folks in D.C.know – if that means anything. Massachusetts Senator, Ed Markey, says it could actually be very illegal under the FTC Act, and considered a deceptive business practice. But I guess we’ll see if something changes.
Experts say if car companies want to do this, they have to be upfront about it, and give us a warning that we’ll actually see! Sadly, this is not a rare thing, and they’re tracking millions of drivers out there already.
So if your car insurance went up recently, that might be why – they are spying on you!