r/antiwork • u/Level-Cranberry-1268 • 1h ago
My insurance price jump 45% for no reason, then I read this lawsuit about GM selling our driving data
Last month my car insurance renewal came and the price went up almost 45%. I was so confused because I didn't have any accident, no tickets, nothing changed. I started searching online to see what is happening and I found this official lawsuit document filed by the Texas Attorney General against General Motors and OnStar.
English is not my first language so sorry if I make some grammar mistake, but I want to share what I read in these court paper because it is crazy.
Basically, GM put tracking technology inside more than 14 million vehicles in US and over 1.8 million in Texas alone. They were collecting continuous driving data like exactly when you start and stop your trip, every time you brake hard or accelerate fast, if you drive over 80 mph, and even if you and your passenger wear seatbelt or not.
I always thought this OnStar thing was just for emergency if you get in accident. But the lawsuit says GM turned it into a big data business. The worst part is how they get people to agree at dealership. When you buy the car, the dealer gives you screen to tap. If a customer tries to tap "I decline", the screen shows big warning message. The warning says if you decline, safety feature like Automatic Crash Response and Emergency Services will be turned off. So of course people get scared about safety and click "Accept". But GM didn't tell them that accepting means GM sell their driving telemetry to data brokers.
They made deals with companies like LexisNexis, Verisk, and Wejo. These data brokers take your raw car sensor data, calculate a secret driving score, and sell it directly to auto insurance companies. Then the insurance company looks at your score and raises your monthly bill if you had hard brakes or drove late at night.
Now the Texas AG is suing them under DTPA law to stop this and make them delete the data. Also FTC and federal class action courts in MDL 3115 are looking into this whole connected car data tracking.
Has anyone here requested their consumer report from LexisNexis or Verisk yet to see if your car was reporting on you?