Key takeaways
Automakers are under fire for allegedly selling driver data to third parties. Consumers say they were unaware of the data collection or sharing, with murky privacy policies hidden in fine print.
Third-party data brokers sell driver data to car insurance companies, which use the information to assess risk and determine premiums.
Telematics programs differ from manufacturer data collection. Telematics is an optional insurance product that offers discounts for safe driving, with consumers informed about how collected data factors into premiums.
Your smart car’s entertainment system, advanced safety feature sensors and cameras, GPS, devices connected through a USB, smartphone apps, and event data recorders (a car’s “black box”) provide data that could affect your insurance premiums.
Connected cars may access data from plug-in devices about your exercise habits, photos, calendars, disability status, sexual orientation, and dozens of other factors unrelated to driving behaviors, according to the Mozilla Foundation.[1]
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