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Skip to contentSkip to site indexSearch & Section NavigationSection Navigation SEARCH SUBSCRIBE FOR $1/WEEKLog in Technology|Automakers Are Sharing Consumers’ Driving Behavior With Insurance Companies https://www.nytimes.com/2024/03/11/technology/carmakers-driver-tracking-insurance.html * Share full article * * * 1.1k Some drivers of General Motors cars, like these Chevrolet Bolts, may not realize that their driving data is being shared with insurance companies.Credit...Carlos Osorio/Associated Press AUTOMAKERS ARE SHARING CONSUMERS’ DRIVING BEHAVIOR WITH INSURANCE COMPANIES LexisNexis, which generates consumer risk profiles for the insurers, knew about every trip G.M. drivers had taken in their cars, including when they sped, braked too hard or accelerated rapidly. Some drivers of General Motors cars, like these Chevrolet Bolts, may not realize that their driving data is being shared with insurance companies.Credit...Carlos Osorio/Associated Press Supported by SKIP ADVERTISEMENT * Share full article * * * 1.1k * Read in app By Kashmir Hill Kashmir Hill has been writing about technology and privacy for more than a decade. * Published March 11, 2024Updated March 13, 2024, 11:57 a.m. ET Kenn Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident. So Mr. Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor. LexisNexis 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. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act. What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car. Advertisement SKIP ADVERTISEMENT On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking. According to the report, the trip details had been provided by General Motors — the manufacturer of the Chevy Bolt. LexisNexis analyzed that driving data to create a risk score “for insurers to use as one factor of many to create more personalized insurance coverage,” according to a LexisNexis spokesman, Dean Carney. Eight insurance companies had requested information about Mr. Dahl from LexisNexis over the previous month. Subscribe to The Times to read as many articles as you like. Kashmir Hill writes about technology and how it is changing people’s everyday lives with a particular focus on privacy. She has been covering technology for more than a decade. More about Kashmir Hill A version of this article appears in print on March 12, 2024, Section A, Page 1 of the New York edition with the headline: Watch the Way You’re Driving. Carmakers Are Watching, Too.. Order Reprints | Today’s Paper | Subscribe Read 1060 Comments * Share full article * * * 1.1k * Read in app Advertisement SKIP ADVERTISEMENT COMMENTS 1060 Automakers Are Sharing Consumers’ Driving Behavior With Insurance CompaniesSkip to Comments The comments section is closed. To submit a letter to the editor for publication, write to letters@nytimes.com. SITE INDEX SITE INFORMATION NAVIGATION * © 2024 The New York Times Company * NYTCo * Contact Us * Accessibility * Work with us * Advertise * T Brand Studio * Your Ad Choices * Privacy Policy * Terms of Service * Terms of Sale * Site Map * Canada * International * Help * Subscriptions KEEP READING THE TIMES BY CREATING A FREE ACCOUNT OR LOGGING IN. Continue Enjoy unlimited access to all of The Times. See subscription options