Anyone know where I can find /etc/hosts on my Ford? /s
Automakers are sharing consumers' driving behavior with insurance companies
191–200 of 333 posts
Re: Automakers are sharing consumers' driving behavior with insurance companies
#192Is there any hope for something like a Privacy Bill of Rights to ever be passed? I feel like privacy is an inalienable right for all humans and the passage of something like this would be a light speed jump ahead for personal freedom in the new era we find ourselves in. Just because tech enables it doesn’t make this any creepier than someone following behind you in the woods stalking you on your horse 200 years ago.
[flagged]
Many things people do are extremely dangerous and detrimental to society. Not sure that's a great rationale for stripping someone of their privacy.
> You even sign away your rights to the privacy of your own blood when you get a license to drive.
I'm not sure what this is referring to. Is any random government agent allowed to take a DNA sample if you're behind the wheel of a car?
Re: Automakers are sharing consumers' driving behavior with insurance companies
#193The easiest way to disable this is by physically removing the cell modem from your vehicle, which is very straightforward. Without egress, the only way for data harvesting to occur is by physical access, typically at a dealership. However, virtually all automotive cell modems are either packaged on the same chip as the GNSS receiver, or colocated on the same daughter board. As such, choosing to retain control over yo…
Unless most people do it, their answer will be to put you on the high risk bucket by default.
There are insurance companies that allow you to voluntarily submit to tracking in exchange for reduced premiums. What is happening here is that those savings are being passed on to auto makers as an extra revenue stream.
Re: Automakers are sharing consumers' driving behavior with insurance companies
#194Is there any hope for something like a Privacy Bill of Rights to ever be passed? I feel like privacy is an inalienable right for all humans and the passage of something like this would be a light speed jump ahead for personal freedom in the new era we find ourselves in. Just because tech enables it doesn’t make this any creepier than someone following behind you in the woods stalking you on your horse 200 years ago.
[flagged]
Like it or not most of the US is oriented around driving and it's basically unavoidable for most adults. Using that as justification to erode everyone's rights feels deeply wrong to me.
Re: Automakers are sharing consumers' driving behavior with insurance companies
#195Earlier quoted context omitted.
This has been true for several years. An insurance agent once told me that there are life insurance companies dropping the requirement for blood draws / medical exams and are just buying prescription records to correlate with financial, educational, and other behavioral data. Edit: changed prescription “data” to “records”
Wouldn’t this violate HIPAA?
Depends who is selling that data. Some pharmacy delivery services or billing services may not be covered by HIPAA, since they are not necessarily "covered entities".
Re: Automakers are sharing consumers' driving behavior with insurance companies
#196Is there any hope for something like a Privacy Bill of Rights to ever be passed? I feel like privacy is an inalienable right for all humans and the passage of something like this would be a light speed jump ahead for personal freedom in the new era we find ourselves in. Just because tech enables it doesn’t make this any creepier than someone following behind you in the woods stalking you on your horse 200 years ago.
[flagged]
[deleted]
Re: Automakers are sharing consumers' driving behavior with insurance companies
#197Earlier quoted context omitted.
[flagged]
Many things people do are extremely dangerous and detrimental to society. Not sure that's a great rationale for stripping someone of their privacy. > You even sign away your rights to the privacy of your own blood when you get a license to drive. I'm not sure what this is referring to. Is any random government agent allowed to take a DNA sample if you're behind the wheel of a car?
Yeah, pretty much. It is called "implied consent".
Re: Automakers are sharing consumers' driving behavior with insurance companies
#198There's a lot of jerk drivers who go way too fast and drive very dangerously. They should have to pay significantly more for it. For people that drive correctly, they should be charged less as well. I don't see why this is an issue.
Re: Automakers are sharing consumers' driving behavior with insurance companies
#199Earlier quoted context omitted.
[flagged]
Many things people do are extremely dangerous and detrimental to society. Not sure that's a great rationale for stripping someone of their privacy. > You even sign away your rights to the privacy of your own blood when you get a license to drive. I'm not sure what this is referring to. Is any random government agent allowed to take a DNA sample if you're behind the wheel of a car?
I assume that person is talking about blood tests for suspected DUI's.
>"All U.S. states have driver licensing laws which state that a licensed driver has given their implied consent to a certified breathalyzer or by a blood sample by their choice, or similar manner of determining blood alcohol concentration." -https://en.wikipedia.org/wiki/Implied_consent
Re: Automakers are sharing consumers' driving behavior with insurance companies
#200I have been convinced for several years now that insurance companies are likely buying up personal data from many different sources. They seem to be ideal consumers because it'll lead to better outcomes when they can increase rates on those that identify as risky.
The whole point of an insurance business is to insure against unknown and unlikely risks. If it is insuring known or likely risks, then it becomes a subsidy or wealth transfer (which should be the domain of governments).
> The whole point of an insurance business is to insure against unknown and unlikely risks.
Unknown to whom? To you, the insured? Or to them? Business thrives on customers with incomplete information.