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How your car might be selling you out to insurers

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How your car might be selling you out to insurers

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There’s a reason your auto insurance premium may be going up. It’s not that you had an accident or any traffic violations on your record. Instead, as some people are discovering, insurance companies are sourcing personal driving data from car manufacturers that can reveal if you are a higher risk to insure.

Nowadays, with everything going digital, the intersection of privacy and technology has extended into the automotive industry, with a concerning trend emerging around vehicles acting as sources for collecting sensitive data.

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This includes sharing drivers’ behaviors with insurance companies, a practice that has brought to light significant privacy concerns among vehicle owners.

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A woman driving the highway (Kurt “CyberGuy” Knutsson)

Speeding, hard braking and rapid acceleration

A case in point involves a software company owner from Seattle who found his car insurance premiums increased by 21 percent unexpectedly despite a clean driving record, according to a New York Times report.

CAR INSURANCE RATES IN 2024 JUMP 26% ACROSS THE US, REPORT SAYS

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This led to the discovery of a data broker that specializes in generating consumer risk profiles for insurers, which had comprehensive records of his driving habits, including details on speeding, hard braking and rapid acceleration.

A woman driving in her convertible (Kurt “CyberGuy” Knutsson)

MORE: WHAT YOUR CAR KNOWS ABOUT YOU AND COULD BE TELLING THE WORLD

Permission to spy is often hidden in the fine print

This practice is widespread, with drivers across the country often unknowingly giving consent for their driving data to be shared with third parties, including insurers. This consent is frequently hidden in the extensive privacy policies and fine print, making it difficult for the average consumer to notice. Automotive manufacturers, in partnership with data brokers, are leveraging systems to gather and analyze data directly from internet-connected vehicles.

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While there are claims that the objective behind collecting driving data is to encourage safer driving habits through feedback programs, it appears the primary motivation is financial profit. This data collection not only impacts insurance rates but also feeds into a growing market where driving data is treated as a commodity.

A man driving down the highway in his car (Kurt “CyberGuy” Knutsson)

MORE: BEST DASH CAMS FOR YOUR CAR

Demand for consumer protection laws

The legal and ethical issues surrounding such data collection practices have garnered attention from policymakers and privacy advocates alike. There have been calls for investigations by federal agencies into these practices, highlighting potential violations related to unfair and deceptive business practices that harm consumers.

For consumers looking to protect their privacy and avoid potential financial impacts from these data-sharing practices, several proactive steps can be taken.

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A man driving down the highway in his car (Kurt “CyberGuy” Knutsson)

MORE: BEST CAR ACCESSORIES

How to discover what data your car is collecting about you

1. Search Google with your carmaker and the phrase “privacy request form.” In the case of my two cars, it sent me to the manufacturers’ forms, where you can fill out a request to see what sort of data is being recorded.

2. Review any app connected to your car. Look for terms and conditions on the app to discover any permissions you may have inadvertently given your carmaker to collect. If it permits you, copy and paste the fine print into ChatGPT or another generative AI source to reveal what private data is being collected by your car. See if there are choices to opt out of data collection in the app settings.

3. Understanding vehicle data capabilities. Tools are available online to help understand what data your vehicle can collect. You can enter your vehicle identification number at the website www.vehicleprivacyreport.com to broadly learn more about what data may be captured from your car.

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4. Get your LexisNexis report at https://consumer.risk.lexisnexis.com/consumer. You have the right to request reports from data brokers to see what information is collected about your driving habits.

It’s important to carefully review privacy policies and terms of service when purchasing a vehicle or signing up for connected services, opting out of data-sharing features where possible.

Kurt’s key takeaways 

As vehicles become increasingly connected, it’s crucial for you to remain vigilant and informed about how your data is being used, ensuring you maintain control over your personal information and mitigate any undesired financial consequences.

How do you feel about your carmaker selling your driving habits to others? Let us know by writing us at Cyberguy.com/Contact.

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For more of my tech tips & security alerts, subscribe to my free CyberGuy Report Newsletter by heading to Cyberguy.com/Newsletter.

Ask Kurt a question or let us know what stories you’d like us to cover.

Answers to the most asked CyberGuy questions:

Copyright 2024 CyberGuy.com. All rights reserved.

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SpaceX cuts a deal to maybe buy Cursor for $60 billion

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SpaceX cuts a deal to maybe buy Cursor for  billion

SpaceX and Cursor are now working closely together to create the world’s best coding and knowledge work AI.

The combination of Cursor’s leading product and distribution to expert software engineers with SpaceX’s million H100 equivalent Colossus training supercomputer will allow us to build the world’s most useful models.

Cursor has also given SpaceX the right to acquire Cursor later this year for $60 billion or pay $10 billion for our work together.

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Fake Windows update installs hidden malware

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Fake Windows update installs hidden malware

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If you’ve ever clicked “Check for updates” and trusted what you saw, you’re not alone. That’s exactly what this latest scam is counting on.

The page mimics official branding, includes a believable knowledge base number and presents a big blue download button that feels familiar.

The catch? The download installs malware designed to steal passwords, payment details and account access.

According to researchers at Malwarebytes Labs, a cybersecurity research and threat intelligence team inside Malwarebytes, the site uses a typosquatted domain that looks close enough to a real Microsoft URL to fool a quick glance. That small trick is often all it takes.

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APPLE APP PASSWORD SCAM EMAIL WARNING
 

Cybersecurity researchers warn a fake Microsoft update site uses a look-alike URL and a familiar download button to deliver data-stealing malware. (Michael Nagle/Bloomberg via Getty Images)

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Why this fake Windows update malware slips past detection

At first glance, nothing seems off. The file looks like a standard Windows installer. It even lists “Microsoft” in its properties. That’s where this attack gets clever. Instead of using obvious malicious code, the attackers built the installer with legitimate tools and layered the attack in stages. Each piece looks harmless on its own.

Here’s what’s happening behind the scenes:

  • The installer launches what appears to be a normal app
  • That app quietly runs hidden scripts
  • A disguised process loads a full Python environment
  • Data theft tools activate in the background

Because each step looks routine, many security tools fail to flag it right away. Researchers also noted that antivirus engines initially showed zero detections for key parts of the attack. That does not mean the file is safe. It means the malicious behavior is well hidden.

What this fake Windows update malware is stealing

Once installed, the malware gets to work fast. It collects details about the infected device, including location and IP address. Then it reaches out to remote servers to receive instructions and upload stolen data.

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The targets include:

  • Saved browser passwords
  • Login sessions and cookies
  • Payment details
  • Discord account tokens

It even tries to shut down other processes on your system to avoid interference while it works. In some cases, it modifies apps like Discord to intercept account activity in real time.

How the fake Windows update malware stays on your system

This malware is designed to stick around. It creates entries that look like normal system processes, so they blend in. One registry entry mimics Windows Security Health, which most users would ignore. It also drops a shortcut in your startup folder with a familiar name like Spotify. That makes it easy to overlook. Two different persistence tricks mean it can survive a reboot and keep running.

FAKE WINDOWS UPDATE PUSHES MALWARE IN NEW CLICKFIX ATTACK
 

A fake Windows update page is tricking users into downloading malware that steals passwords, payment details and account access. (Beata Zawrzel/NurPhoto)

Why this fake Windows update scam feels so real

There’s a bigger trend behind this. Researchers say campaigns like this often target regions where large data breaches have already exposed personal information. When attackers already know your name, provider or habits, they can build scams that feel tailored to you. That makes a fake Windows update page far more believable than a generic phishing email.

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It also highlights something important. Today’s malware often hides inside legitimate tools and trusted frameworks. That makes it harder to detect and easier to trust. This campaign shows how far scammers have come. They are no longer relying on sloppy emails or obvious fake links. Instead, they are building layered attacks that look and behave like trusted software.

Even experienced users can get caught off guard when everything appears normal. The biggest takeaway is simple. A clean scan result or a familiar interface does not guarantee safety.

Microsoft says it’s aware of the threat

Microsoft confirmed it is tracking this type of activity and urges users to be cautious when downloading updates from unfamiliar sources. 

“We are aware of reports of fraudulent websites impersonating Microsoft, and we actively work to detect and disrupt malicious activity across the internet,” A Microsoft spokesperson told CyberGuy. “We encourage customers to be cautious of unexpected prompts or downloads and to verify that they are interacting with legitimate Microsoft domains. As a best practice, we recommend users verify the legitimacy of a link by going directly to our website from your own saved favorite, from a web search, or by typing the domain name yourself.”

For more guidance on how to protect against online phishing scams, you can refer to Microsoft’s official support page at support.microsoft.com.

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A convincing Windows update scam is spreading malware that can grab saved passwords, cookies, payment data and Discord tokens. (Todor Tsvetkov/Getty Images)

Ways to stay safe from fake Windows update malware

You don’t need to be a security expert to avoid this. A few habits make a big difference.

1) Only update Windows from your settings

Go to Settings > Windows Update and check for updates there. Avoid downloading updates from websites. 

2) Double-check the URL

Real Microsoft pages use microsoft.com. Anything else, even if it looks close, should raise a red flag.

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3) Be cautious with urgent update prompts

If a site or message pressures you to install an update, stop and verify it manually. 

4) Use strong antivirus software with behavior detection

Traditional antivirus software, which often comes built into your device or as basic security software, mainly looks for known threats using signature matching, which means it can miss new or well-hidden attacks like this one. Strong antivirus software uses behavior detection to monitor what programs are doing in real time, helping flag suspicious activity even if the malware hasn’t been seen before.  Get my picks for the best 2026 antivirus protection winners for your Windows, Mac, Android & iOS devices at Cyberguy.com.

5) Use a data removal service to limit your exposure

If your personal information is already circulating online from past breaches, it can make scams like this more convincing. A data removal service helps reduce how much of your information is publicly available, making it harder for attackers to target you with tailored phishing attempts. Check out my top picks for data removal services and get a free scan to find out if your personal information is already out on the web by visiting Cyberguy.com

6) Turn on two-factor authentication

Two-factor authentication (2FA) adds a second layer of protection if your passwords are stolen.

7) Avoid downloading installer files from unknown sites

Legitimate updates rarely require manual downloads. 

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Kurt’s key takeaways

Fake updates are one of the most effective tricks because they tap into something we all trust. Keeping your system secure should not put you at risk, yet that’s exactly what attackers are exploiting here. The safest move is to slow down, verify where updates come from and stick to built-in tools whenever possible.

Are tech companies doing enough to keep fake updates from putting your data at risk? Let us know your thoughts in the comments below. Let us know by writing to us at Cyberguy.com.

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  • Plus, you’ll get instant access to my Ultimate Scam Survival Guide free when you join.

Copyright 2026 CyberGuy.com. All rights reserved.

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The Vergecast Vergecast, 2026 edition

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The Vergecast Vergecast, 2026 edition

We get a lot of questions about how The Verge works. And how The Vergecast works. And how we make money. And whether some of that money helps Nilay buy more jackets, several yachts, or something else entirely. So, every once in a while, we spend an episode of the podcast answering as many questions as we can.

On this episode of The Vergecast, Nilay and David are joined by The Verge’s publisher, Helen Havlak, to talk about ads, subscriptions, our website, our audience, and more. Then, Nilay and David answer some more questions about how we think about journalism, our relationship with Verge alumni, video podcasts, and (of course) Brendan Carr.

Thanks to everyone who sent us questions for this episode, and please keep them coming! You can always call the Vergecast Hotline (866-VERGE11) or send us an email (vergecast@theverge.com) with your questions, thoughts, feelings, and misgivings about everything we’re up to. We truly love hearing from you. And if you want to be part of everything we’re up to, and help make The Verge even bigger and better, the best thing you can do is subscribe! You even get all our podcasts ad-free.

Oh, and also, in case you missed it yesterday, be sure and check out our emergency pod on the news that Tim Cook is stepping down as Apple CEO. We’ll be talking more about the future of Apple on Friday’s show, too, so send questions if you have ’em!

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