Ford is selling your vehicle/driving data to auto insurance coverage

the poacher

Mar 12, 2024

Hi all,
Though some of you may know this, many owners will not, so consider this a "Public Service Announcement".

Ford is now selling your driving data to a company called LexisNexis. This company is a New York-based global data broker with a “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets.
However, it turns out that LexisNexis is using your driving habits (acceleration, hard braking, speed and how fast you take corners) and forwarding this information on to insurance companies that then increase your insurance rates.
Now, you may say, "I am just your everyday driver and so don't need to worry about this, but if you read the following article you may decide otherwise.

https://www.nytimes.com/2024/03/11/...l&utm_content=article&utm_campaign=email-2022

If you are concerned, you have the ability within the Ford Sync system to turn this data collection off.

GrayPearl, Zalford

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Apr 22, 2024

#100

dvnorton
One other issue with the data collection, which was pointed out in the NYT story, is that your insurance is tied to a driver, not a vehicle (other than collision costs, but that's not what we're talking about here). The driver in the article was a very safe driver, who did not brake or accelerate hard....his wife did. But the car doesn't know (or differentiate) who's driving.

That might have been true at one time. However, car insurance usually follows the car in California. The types of car insurance that follow the car in California are bodily injury liability, personal injury liability, collision, and comprehensive. You're required to carry bodily injury liability and property damage liability in California.

OnX Trail Guide
4 Door BadSquatch | Soft-top | Velocity Blue | 2.7 Auto

the poacher

Apr 29, 2024

#101

An update (Apr 23) on manufacturers sharing your data with insurance companies without your informed consent.
https://www.nytimes.com/2024/04/23/...yszzdzq6&utm_source=substack&utm_medium=email

This story is about GM, but Ford seems to be doing similar things based on the original article.
- Dealer/salesperson may be the one to consent (and commission is docked if they don’t get consent)
- Not clear in terms that data will be shared or how it will be used
- Must accept this to get notifications about oil changes, tire pressure, service notifications, alarm notifications, software updates
- 2021 update now includes hard cornering, forward collision alerts, lane-departure warnings, seat-belt reminders
- Can’t differentiate between who gave consent and whose data is being tracked
- One customers drove car on a closed race track and his insurance doubled, increase of >$5k/yr

GrayPearl, Chief Ron

Apr 30, 2024

#102

dvnorton
An update (Apr 23) on manufacturers sharing your data with insurance companies without your informed consent.
https://www.nytimes.com/2024/04/23/...yszzdzq6&utm_source=substack&utm_medium=email

This story is about GM, but Ford seems to be doing similar things based on the original article.
- Dealer/salesperson may be the one to consent (and commission is docked if they don’t get consent)
- Not clear in terms that data will be shared or how it will be used
- Must accept this to get notifications about oil changes, tire pressure, service notifications, alarm notifications, software updates
- 2021 update now includes hard cornering, forward collision alerts, lane-departure warnings, seat-belt reminders
- Can’t differentiate between who gave consent and whose data is being tracked
- One customers drove car on a closed race track and his insurance doubled, increase of >$5k/yr

Absurd these pre collision alerts freak out when someone turns/passes by you when you're sitting at a stop sign or red light.

Supreme Leader of the Wandering but NOT Lost
2022 OBX Cyber Orange Metallic with random acutriments.

Chief Ron, the poacher

Apr 30, 2024

#103

dvnorton
An update (Apr 23) on manufacturers sharing your data with insurance companies without your informed consent.
https://www.nytimes.com/2024/04/23/...yszzdzq6&utm_source=substack&utm_medium=email

This story is about GM, but Ford seems to be doing similar things based on the original article.
- Dealer/salesperson may be the one to consent (and commission is docked if they don’t get consent)
- Not clear in terms that data will be shared or how it will be used
- Must accept this to get notifications about oil changes, tire pressure, service notifications, alarm notifications, software updates
- 2021 update now includes hard cornering, forward collision alerts, lane-departure warnings, seat-belt reminders
- Can’t differentiate between who gave consent and whose data is being tracked
- One customers drove car on a closed race track and his insurance doubled, increase of >$5k/yr

I read the article and I am shocked, not surprised though, by GM telling their dealers to get the vehicle to share the data without the clients consent. What is then done with the data is scary, especially as the client has no idea how it could effect them. Do to all the bad press GM has been getting on this issue, I am not surprised that it took them this long to finally cancel their relationship with Nexis. Shame on GM and Ford too!

Chief Ron, OrangecrushBronco

Apr 30, 2024

#104

TK1215
It is built in to the infotainment system

Thank you for the help (I was being silly)! I actually ordered the hard copy book, as I would hate to need to find something and can`t access the manual in the infotainment center due to some sort of glitch or power loss or some such issue.

`24 Black Diamond non squatch 2dr 7spd Eruption Green Hardtop

Deano Bronc, TK1215

May 01, 2024

#105

Bluestreak57
Good night, Kids

Where's the GIF of that guy losing his ever loving mind over a double rainbow?

Supreme Leader of the Wandering but NOT Lost
2022 OBX Cyber Orange Metallic with random acutriments.

Chief Ron, Bluestreak57

May 09, 2024

#106

I tried to turn off Data Sharing and was a bit surprised/confused by the options. The Connected Vehicle Features screen has a Share Driving Data option:

Clicking the info button says this includes the data we've been discussing on this thread -- braking, seat belt status, accelerator pedal, etc.:

But further down the Connected Vehicle Features page, there's another option called Insurance-Related Data. This was disabled/turned off and did not have an info button:

Note: This is a 2023 Badlands 4-dr with highest trim package.

May 09, 2024

#107

Yeah, same here on WildTrak, both driving & insurance data are off.

Cheers

Chief Ron

Jun 06, 2024

#108

You can request a copy of the info that LexisNexis is compiling about your driving habits and, if your in CA, you can request that your data not be sold at the public portal located here:

https://consumer.risk.lexisnexis.com/request

OrangecrushBronco, the poacher

Jun 07, 2024

#109

TimsFun
You can request a copy of the info that LexisNexis is compiling about your driving habits and, if your in CA, you can request that your data not be sold at the public portal located here:

https://consumer.risk.lexisnexis.com/request

Thank you for the link.

`24 Black Diamond non squatch 2dr 7spd Eruption Green Hardtop

OrangecrushBronco, the poacher

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