Automakers are providing driver behavior data to insurers

Consumer behavior company LexisNexis collects trip details from G.M. vehicles, including speed, braking, and acceleration incidents.

Drivers may unknowingly consent to such data sharing, which can influence their insurance rates. Seattle software company owner Kenn Dahl, for instance, saw his insurance premiums rise by 21% due to his driving risk profile.

The data comes from modern, internet-connected vehicles that record various driving metrics. This information aids insurers in customizing insurance rates but also raises privacy concerns.

In some cases, customers might not be aware of the data sharing or that it can lead to increased insurance costs. Investigation by regulators and lawmakers on this practice is underway due to potential privacy violations.

Car owners, like those of GM's OnStar Smart Driver program, can opt-in for monitoring, but it may be unclear that third parties have access to this data. The car industry insists data collection helps improve safe driving; however, financial motives are also involved.

General Motors has been spotlighted for sharing data without clear consent and profits from the practice, though they ensure customer control over participation.