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Technology|Automakers Are Sharing Consumers’ Driving Behavior With Insurance
Companies

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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

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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.



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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.

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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
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