Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

Automakers are sharing consumers' driving behavior with insurance companies

nytimes.com

Post reply on HN
Print view View original

281–290 of 333 posts

Re: Automakers are sharing consumers' driving behavior with insurance companies

#281

Post by quesera »

rnk wrote: post #211
jabroni_salad wrote: post #202

Earlier quoted context omitted.

That's why I buy my liquor at the gas station, on the same tx as the gas.

The credit card company could access subcategories of your purchase. It would make sense for them to do that to track you

Itemized receipt data is not transmitted to the network or to the issuing bank.

Some merchants have multiple registers for the sale of different types of products, but generally if you receive only one receipt for your full purchase, it will be recorded under the category code for the merchant's primary business.

Re: Automakers are sharing consumers' driving behavior with insurance companies

#282

Post by brewdad »

arkadiyt wrote: post #129
batch12 wrote: post #13

When I got my last car, it had a sticker instructing me to press the SOS button to opt out of data collection. The gentleman that answered acted confused when I made the request, taking the stance that he wasn't aware of data collection from the car and maybe I should contact the manufacturer. It was only after I read him the sticker text verbatim that he went into a scripted response and confirmed the opt out. Shady…

If I get a new car I'm just taking the modem out.

One of the automakers in the article claims that voids your warranty. It may or may not but enjoy the legal battle should you ever need to make a claim.

Re: Automakers are sharing consumers' driving behavior with insurance companies

#283

Post by idlephysicist »

giantg2 wrote: post #174
colpabar wrote: post #142

Earlier quoted context omitted.

Isn't this how all ToS work though? They all contain some clause that says "actually we reserve the right to do whatever we want whenever we want and everything you read here is meaningless"

Yep, and that's why physically defeating the device is always better than relying on the other party to honor their word. Disconnect the wireless module/board and they can't send your data.

I've physically disconnected the modem in my Audi, though when it goes to the dealer for a service (still under extended warranty) I cannot help but imagine that they download the data.

Re: Automakers are sharing consumers' driving behavior with insurance companies

#284

Post by m463 »

grvdrm wrote: post #276
m463 wrote: post #165

Earlier quoted context omitted.

I remember driving a nissan leaf. You had an opt-out prompt every time you drove the car.

For data or was it the standard “use responsibly” message?

It was the telematics data screen

Re: Automakers are sharing consumers' driving behavior with insurance companies

#285

Post by snowwrestler »

ethbr1 wrote: post #230
warkdarrior wrote: post #195

Earlier quoted context omitted.

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".

Is this true? My understanding of HIPAA (possibly incorrect) is that it's attached to the data. If a covered provider is leaking HIPAA covered data to a non-covered business associate entity... that's a big no-no and a fine.

There are criteria for which organizations are covered by HIPAA’s privacy protections. It is not attached to the data wherever the data goes.

Re: Automakers are sharing consumers' driving behavior with insurance companies

#286

Post by MichaelMoser123 »

> An employee familiar with G.M.’s Smart Driver said the company’s annual revenue from the program is in the low millions of dollars.

i would have guessed that this is making more money. Does anyone know why this is the case?

Re: Automakers are sharing consumers' driving behavior with insurance companies

#287

Post by brewdad »

beej71 wrote: post #104
mycologos wrote: post #59

I think there are a few reasons to be mad about this, but some are better than others: 1) People don't understand they're being monitored. I think this is a good reason to be mad. People should have some understanding of the agreements they make. It's part of being a functional adult in the world. It's also annoying that the companies keep spinning this as a tool to improve your driving, when it's clearly an attempt…

I've avoided accidents by hard breaking twice in the last two years, once from deer bounding into the road, and once from a deaf old cat walking into the street. I haven't been cited for anything in decades, and have never been in an at-fault accident. I drive the speed limit and have a dashcam. With the deer, I was actually 10 MPH under the limit. So should my rates go up for these incidents where I successfully avo…

The insurance company would argue that you drive in an area with wildlife crossings. That makes you a higher risk even if you managed to avoid this deer. You are more likely than average to encounter another one in the future and may not be as fortunate.

Re: Automakers are sharing consumers' driving behavior with insurance companies

#288

Post by jeffbee »

hammond wrote: post #243
jeffbee wrote: post #182

Earlier quoted context omitted.

[flagged]

If you actually believe this, then please reply here with the start and end GPS coordinates of your last driven commute to/from where you live.

Why would I drive? Like some kind of jerk.

Re: Automakers are sharing consumers' driving behavior with insurance companies

#289

Post by garaetjjte »

jowea wrote: post #280
xboxnolifes wrote: post #242

Earlier quoted context omitted.

> In an ideal world, such data-harvesting might lead to cheaper prices / a more efficient insurance market - which would make the privacy loss worth considering from a trade-off standpoint, at least in theory. In an ideal world (read: perfect information knowledge), this would lead to insurance being a bad deal for every consumer of it. In the theoretical position where insurance companies can accurately price each i…

> This is only useful for a consumer if they cannot access cash or a credit line to pay for a sudden large expense. Isn't that the main point of insurance? Insurance can also socially redistribute bad things. Which fair enough it is in practice a result of insurance but I don't think that's what it was invented for. And indeed the better the insurer's crystal ball the smaller this effect is. Although in practice I do…

>Isn't that the main point of insurance?

No, insurance claim can be larger than sum of lifetime premiums, contrary to credit.

Re: Automakers are sharing consumers' driving behavior with insurance companies

#290

Post by brewdad »

randerson wrote: post #145
mycologos wrote: post #59

I think there are a few reasons to be mad about this, but some are better than others: 1) People don't understand they're being monitored. I think this is a good reason to be mad. People should have some understanding of the agreements they make. It's part of being a functional adult in the world. It's also annoying that the companies keep spinning this as a tool to improve your driving, when it's clearly an attempt…

The flow of traffic on the highways where I live is consistently 15-20 mph above the posted limit. I wish everyone would slow down, but that doesn't change the fact that the safest way to merge is to accelerate hard and match their speed. The last thing I need is a financial incentive to be oblivious to my surroundings.

The only speeding ticket I’ve gotten in the past 20 years was for speeding on the on-ramp to get up to the speed of the highway traffic. Holiday weekend, so it was stop, ticket, and release. Repeat. No warnings given.
Post reply on HN