Almost every car manufacturer is selling your information | Carscoops

      It's not only your vehicle—automaker smartphone applications are also discreetly gathering data on your every movement.

      A recent investigation has revealed that nearly all automakers are accumulating and sharing your data.

      This includes aspects such as your driving locations, times, and speeds.

      The information collected by these companies can influence your insurance and loan rates.

      Smartphones and advanced cars gather a significant amount of data, which can be utilized in various ways. In terms of insurance, this information may lead to increased rates or even denial of coverage.

      While Allstate and General Motors have received media attention for their data practices, they are not the only companies involved. A fresh investigation by Consumer Reports indicates that "almost every automaker selling cars in the U.S. is ... collecting and sharing so-called ‘driver behavior data’ with other businesses."

      This was not easy to uncover, as the organization had to sift through thousands of pages of privacy policies and filings from companies in the "insurtech" sector. Their research revealed concerning findings, including that many consumers might be unknowingly waiving their privacy rights.

      As explained, when purchasing and setting up a new car, buyers typically have to agree to terms to proceed. Most people simply click ‘Ok’ without reading or considering the implications, eager to enjoy their new purchase.

      Data collection extends beyond the vehicles themselves; for instance, the Mitsubishi Road Assist+ app reportedly gathers extensive information, including speeding, nighttime driving, and hard braking events. Mitsubishi allegedly does not access this data, but it is stored in a “telematics exchange that counts numerous car insurance companies as paying partners.”

      Location data is particularly valuable, despite its personal nature. The report notes that the places you drive can potentially be used against you.

      Fortunately, there are ways to limit your exposure. This involves completing automaker forms and adjusting app settings—both of which require some effort. Consumer Reports mentioned that there are typically some trade-offs involved.

      While this is just a concise summary of the investigation, the full report is highly recommended, considering its implications. Justin Brookman, director of technology policy at Consumer Reports, stated, “Data about how and where you drive your car is very personal and sensitive, and companies should only collect and share that information when it’s necessary for a service a consumer has requested.” He further emphasized, “Hiding information in a legal agreement or in an area where it’s unlikely to be noticed is not genuine consent, and automakers need to stop this practice.”