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Auto Makers Are Selling Data on Your Driving Habits to Your Insurer

127 points by us0r 3y ago

xnx 3y ago
2 days ago. 162 comments: https://news.ycombinator.com/item?id=39666976 https://news.ycombinator.com/item?id=39666976
- dang 3y ago
  Ok, since that thread didn't have much frontpage time and has the better URL, I guess we'll merge the comments* thither and re-up that one. Thanks! * except for the subthread that's specifically about the techdirt.com link
ethbr1 3y ago
The NYT article linked is better: https://www.nytimes.com/2024/03/11/technology/carmakers-driver-tracking-insurance.html?unlocked_article_code=1.cE0.jN6D.nfeyIYUoly5W&smid=url-share https://www.nytimes.com/2024/03/11/technology/carmakers-driv... Also, link to request your LexisNexis report: https://consumer.risk.lexisnexis.com/consumer https://consumer.risk.lexisnexis.com/consumer Manufacturers named (also logos [0]) - G.M. "OnStar Smart Driver" - Honda - Kia - Hyundai - Subaru - Mitsubishi >> But a grotesquely corrupt Congress means federal inquiries will likely go nowhere (also keep in mind looming Supreme Court rulings are poised to erode federal regulatory authority further). And any inquiries that do materialize will feature fines that are miniscule compared to the money made from the abuses. Wow. That's a new low standard for journalism. Whatever happened to keeping opinions and news separate? And no, modern Congress is not more corrupt than historical standards (which are extremely directly-buying-votes low), nor is reform unlikely. It simply needs enough people to care about the issue and mobilize (see MA and CA efforts mentioned in the article!): kvetching on the web about the futility of action isn't going to help. [0] Logos https://risk.lexisnexis.com/products/telematics-exchange https://risk.lexisnexis.com/products/telematics-exchange
- givinguflac 3y ago
  |nor is reform unlikely. Have you seen the Supreme Court lately? I’d revisit this after the chevron ruling, but I suspect you’re being far too optimistic.
  - thereddaikon 3y ago
    People act like this is the end of the world for regulation but it isn't. Nor is getting rid of chevron deference a bad thing. SCOTUS' intent here is pretty clear. If congress wants to delegate a power to the executive then they must explicitly do so. And courts shouldn't take regulators at their word in cases anymore but actually test to see if what they claim makes sense or is in good faith, you know, like everyone else must do in court. The actual issue relevant to this article is that America lacks any real overarching privacy law. We need one badly. Congress is unlikely to come up with one on its own. So people need to get active and lobby for one. We've made good progress with right to repair in the last few years so that shows doomerism is just that. Get off your ass and spread the word. Normies have been deaf to us saying this is problem for years. Maybe when you tell them that their insurance will go up every time they have spirited drive they will actually pay attention.
    - ethbr1 3y ago
      Hear hear. Sometimes the way that good things get done is bad, and we'd be better served by fixing the bad way than continuing to reinforce the duct tape over a broken underlying process. Yes, that means things seem to go backwards in the short term, but creating better underlying processes (e.g. Congress being forced by voters to do its job, passing a federal US privacy law) removes impediments to really proceeding forward.
- colordrops 3y ago
  > new low standard for journalism Have you not seen most mainstream news in the last several decades? I was watching CNN in the gym at the hotel on a business trip and maybe every fifth sentence was a snide judgement.
- deleted 3y ago

127 points by us0r 3y ago

xnx 3y ago

2 days ago. 162 comments: https://news.ycombinator.com/item?id=39666976 https://news.ycombinator.com/item?id=39666976

dang 3y ago
Ok, since that thread didn't have much frontpage time and has the better URL, I guess we'll merge the comments* thither and re-up that one. Thanks! * except for the subthread that's specifically about the techdirt.com link

ethbr1 3y ago

The NYT article linked is better: https://www.nytimes.com/2024/03/11/technology/carmakers-driver-tracking-insurance.html?unlocked_article_code=1.cE0.jN6D.nfeyIYUoly5W&smid=url-share https://www.nytimes.com/2024/03/11/technology/carmakers-driv... Also, link to request your LexisNexis report: https://consumer.risk.lexisnexis.com/consumer https://consumer.risk.lexisnexis.com/consumer Manufacturers named (also logos [0]) - G.M. "OnStar Smart Driver" - Honda - Kia - Hyundai - Subaru - Mitsubishi >> But a grotesquely corrupt Congress means federal inquiries will likely go nowhere (also keep in mind looming Supreme Court rulings are poised to erode federal regulatory authority further). And any inquiries that do materialize will feature fines that are miniscule compared to the money made from the abuses. Wow. That's a new low standard for journalism. Whatever happened to keeping opinions and news separate? And no, modern Congress is not more corrupt than historical standards (which are extremely directly-buying-votes low), nor is reform unlikely. It simply needs enough people to care about the issue and mobilize (see MA and CA efforts mentioned in the article!): kvetching on the web about the futility of action isn't going to help. [0] Logos https://risk.lexisnexis.com/products/telematics-exchange https://risk.lexisnexis.com/products/telematics-exchange

givinguflac 3y ago
|nor is reform unlikely. Have you seen the Supreme Court lately? I’d revisit this after the chevron ruling, but I suspect you’re being far too optimistic.
- thereddaikon 3y ago
  People act like this is the end of the world for regulation but it isn't. Nor is getting rid of chevron deference a bad thing. SCOTUS' intent here is pretty clear. If congress wants to delegate a power to the executive then they must explicitly do so. And courts shouldn't take regulators at their word in cases anymore but actually test to see if what they claim makes sense or is in good faith, you know, like everyone else must do in court. The actual issue relevant to this article is that America lacks any real overarching privacy law. We need one badly. Congress is unlikely to come up with one on its own. So people need to get active and lobby for one. We've made good progress with right to repair in the last few years so that shows doomerism is just that. Get off your ass and spread the word. Normies have been deaf to us saying this is problem for years. Maybe when you tell them that their insurance will go up every time they have spirited drive they will actually pay attention.
  - ethbr1 3y ago
    Hear hear. Sometimes the way that good things get done is bad, and we'd be better served by fixing the bad way than continuing to reinforce the duct tape over a broken underlying process. Yes, that means things seem to go backwards in the short term, but creating better underlying processes (e.g. Congress being forced by voters to do its job, passing a federal US privacy law) removes impediments to really proceeding forward.
colordrops 3y ago
> new low standard for journalism Have you not seen most mainstream news in the last several decades? I was watching CNN in the gym at the hotel on a business trip and maybe every fifth sentence was a snide judgement.
deleted 3y ago