this post was submitted on 10 Jun 2024
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This is actually the thing that gives me most privacy assurance. My car company does offer this as an insurance product to themselves, transparently. Since they’re honest about this part of it, and have less profit incentive to those of us who don’t agree, I’m a bit assured that they are not motivated to sell my data to my actual insurer
If you think your insurance company isn’t selling your data to other companies, you are in for a surprise.
My insurance company, for example, requires so many permissions for their app, just to show my insurance coverage. I refuse to use it because they don’t need my contacts, calendar, use details, phone information, location, network status, and whatever else they are asking for. They have no use for this information, so why would they collect it? Oh right, because they are greedy and consider customers to be multiple revenue streams.
Part of the privacy policy for using the app is agreeing to be a product for them. Hard pass. I give them more than enough money considering they have never paid out a single fucking penny for anything (tho we’ll see how I feel tomorrow when the adjuster comes out to inspect the storm damage to my roof - probably the same.)
If a scammy company like insurance is doing a thing, you can bet they are not being benevolent. They are taking whatever you give them and it will fuck you eventually.
I interact with my insurer, over the phone, through an intermediary. And of course I pay them. The only info they have is pii and financial. My driving history and score is available from the state.
My last at least two cars likely report highly detailed driving info to their manufacturers, and I really can’t do anything about it. I care enough to click “no” wherever I can but not naive enough to believe it
However my current vehicle manufacturer also does insurance. If you use their insurance, you are letting them rate your driving by every little minutia. They are less likely to sell this data because they have a product that it’s a differentiator for: it’s not in their best interest to give competitors their competitive advantage