GM, Major Carmakers Are Telling Insurers How You Drive
Ғылым және технология
When a driver gets a speeding ticket or is involved in an accident, their car insurance rates are expected to increase. However, most drivers would not expect to see their rates increase for every instance of speeding, rapid acceleration or forceful braking. But that is what the New York Times reported is happening to people who drive cars made by General Motors.
The publication recounted the experience of a Chevy Bolt driver who was surprised to see his insurance rise by 21%. When the driver inquired about the inflated rate, an insurance agent directed him to LexisNexis Risk Solutions, a data broker that provides information-based analytics for business customers.
The Times reported that the driver requested and obtained a consumer disclosure report from LexisNexis and discovered that GM had kept track of 640 trips made in six months. The report did not show location, but other information included dates, distances, start and end times, and every time the driver sped, braked hard or accelerated sharply.
According to the Times, GM provided the trip information to LexisNexis. The broker then analyzed the data and created a “risk score” that insurers can use to determine coverage costs.
Sometimes, insurance companies can access this information through usage-based insurance, also known as “pay how you drive” and “pay as you drive.” Other times, automakers can get it through internet-enabled vehicles that allow drivers to connect to their cars through an app.
But it’s not just GM doing this. The Times explained that other auto companies, including Kia, Hyundai and Honda, have begun offering opt-in features in the connected-car apps that rate a person’s driving. That information then goes to companies like LexisNexis and is sold to insurance companies. The insurance companies need customer consent to access the information, but they typically get it when people buy car insurance and agree to standard terms and conditions.
The Times reported that, in the case of GM’s OnStar Smart Driver feature, company spokesperson Malorie Lucich said that the service is optional to customers and educates about safe driving behaviors or vehicle performance. Lucich added that the information “may be used to obtain insurance quotes.”
Пікірлер: 17
If an insurance company is going to collect driving data, then they also need to collect driver skill data. I'm a nationally certified racing instructor and instruct for Porsche, BMW, Ferrari, Jaguar, Audi, Corvette and a host of other non-marque clubs such as SCDA, Hooked on Driving, NASA, etc. I have taught over 500 'students' and 2 national champions. I have spent thousands of hours honing these skills. So if you're going to assess my highway driving habits, you damn well better assess my skill level.
Every day, I hate the future just a little bit more.
Aww frick GM is gonna tell my insurer that I’m speeding in my Camaro? Damn
TLDR: By a car made before 2020.
"....usually get it when people buy car insurance and agree to STANDARD terms and conditions" !!
@im3phirebird81
4 ай бұрын
I didn't know there were any others. Usually it's just "eat it or piss off" right?
@kennethalbert4653
4 ай бұрын
@im3phirebird81 There is not, THAT is the point. We never read them, just click, and assume they will be fair.
Good thing I didn’t pay for onstar
Havent heard many cases of poeple getting their insurance lowered by this horseshit.
Big Brother is WATCHING and TELLING on YOU. Who would have thought...
all the more reason i drive a golfcart were other than the ingition coil the only other electronics are the lights and onboard battery charger. no license no insurance and 90% custom built and 100% legal no manufactuers snitching on me
@JAMESWUERTELE
4 ай бұрын
Impeding traffic
Yeah well... the newest thing I own is a 2007 GMC Sierra 4x4, my summer daily is a 1965 GTO and 1970 Cuda. Good luck even tracking me if I leave my phone at home. The GTO runs on E85 and E100 I make from cattails, so if I want to make a long road trip I can put a hitch on it and pull a small trailer with 2 barrels of fuel, I could cross the USA like that and never have to stop to buy anything. Working on a more aerodynamic vehicle, because a 65 GTO has a CD somewhere between a tree and a barn, but the 5 speed swap I am doing soon should pick it up from 18mpg. Its really dragging lots of air with it, my 70 GTO got over 20mpg with the same engine. I can go gray and vanish so easily... if I want to. Currently I am making sure my whereabouts are known, because my ex wife likes to claim I am doing things, so I prove I wasn't anywhere near her with the stuff on my phone.
how american of General Motors... have fun guys... enjoy your Chevy... not only do you get to drive a crappy vehicle, you now have to pay more to do it.
GM, *and* major carmakers... So GM is a little piss-ant of a company. Good to know.
Good