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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.

CLICK TO GET KURT’S FREE CYBERGUY NEWSLETTER WITH SECURITY ALERTS, QUICK VIDEO TIPS, TECH REVIEWS AND EASY HOW-TO’S TO MAKE YOU SMARTER

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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Technology

Brendan Carr is a dummy

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Brendan Carr is a dummy

All year on The Vergecast, we’ve been tracking the many bizarre and problematic actions of FCC Chairman Brendan Carr. There has been a lot to discuss! Then, this week, ahead of one of our last episodes of the year, Carr appeared in front of the Senate Commerce Committee and spent three hours explaining how he thinks about his job, the FCC, and the state of online communication and entertainment. It was a lot.

On this episode of The Vergecast, we begin with a dissection of Carr’s testimony, his threats against broadcasters, and the ways in which he’s using old ideas about content delivery to get his political way. Nilay and David walk through some of Carr’s most important quotes, explain the history of broadband regulation, and look ahead to how Carr might bring these same tactics to internet regulation next year.

Also, an important housekeeping note: The Vergecast will be live at CES! We’ll be at the Brooklyn Bowl in Las Vegas, at 3:30PM on Wednesday, January 7th. There will be podcasting, and hanging out, and bowling. It’s going to be great, and if you’re going to be in Vegas we’d love to see you there.

Until then, if you want to know more about everything we discuss in this episode, here are some links to get you started, first on Brendan Carr:

And in the streaming wars:

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And in the lightning round:

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AI photo match reunites Texas woman with lost cat after 103 days

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AI photo match reunites Texas woman with lost cat after 103 days

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Holiday gatherings and year-end travel often lead to a spike in missing pets. Doors open more often, routines shift and animals can slip outside in a moment of confusion. 

New Year’s Eve creates loud fireworks, and shelters report some of their busiest nights of the entire year. Amid all that, one Texas family just experienced a heartwarming reunion thanks to an AI photo matching on Petco Love Lost.

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FIND A LOST PHONE THAT IS OFF OR DEAD

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An AI photo-matching on Petco Love Lost helped reunite a Texas family with their missing cat after 103 days. (ULISES RUIZ/AFP via Getty Images)

How AI photo matching kept the search going

Pam’s 11-year-old indoor cat, Grayson, had never been outside alone. She believes he slipped out while she unloaded groceries at their home in Plano, Texas. The moment she realized he was gone, she acted fast. 

She said, “We went up and down the streets day and night. We went online in the neighborhood and on Love Lost. We put up flyers all over the neighborhood. Friends and neighbors were looking for him. I went to the animal shelter, posted him there, and went every day for over a month, hoping to find him.”

Pam uploaded Grayson’s photo to Petco Love Lost right away. She checked her daily match alerts and hoped she would see his familiar face pop up. She told CyberGuy, “I received match alerts almost every day from Lost Love, but never saw Grayson. His profile had been on their site for over 90 days.”

The moment everything changed

Missy, a nearby resident, spotted a thin cat in an alley near her home. She brought him inside, took a picture of him and then turned to Love Lost to see if anyone had reported a missing cat like him.

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Missy explained how simple the process felt. “I used Lost Love to reunite them,” she said. “I uploaded a photo of the cat that we found, and it was matched through AI with the photo that the owner uploaded.”

She soon received an AI match alert and learned that the cross street Grayson’s owner, Pam, had listed in her lost post was only a mile from her home. Missy contacted Pam right away.

That message changed everything. “I am sure that if we had not posted his picture and enabled the ability to match the images, we would never have known what happened to Grayson,” Pam said. “And we would not have connected with Missy.”

AI TECH HELPS A SENIOR REUNITE WITH HER CAT AFTER 11 DAYS

Grayson, an indoor cat from Plano, Texas, was finally found thanks to a neighbor who uploaded his photo to an AI search tool. (DANIEL PERRON/Hans Lucas/AFP via Getty Images)

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A long road for an aging cat

Grayson is almost 12 and has never lived outdoors. That made this reunion feel even more emotional, Pam said.

“I am still amazed at Grayson’s journey,” she added. “I look at him and cannot believe he made it through those 103 days. He is almost 12 years old, so he is not a young kitty.”

Pam said she still thinks about what those months were like for him. “[I] guess I will always wonder where he was and how many stops he made before he reached Missy’s loving home,” she said. “He must have known she would take care of him. It takes a special person to take the time to reunite a beloved pet with their family. Missy and her family went above and beyond to reunite us with Grayson.”

Why pet tech matters during the holidays

This season brings joy but also risks for pets. Visitors, travel and loud celebrations create more chances for animals to slip out or feel spooked. Tools like AI photo matching help families act fast when a pet goes missing. Love Lost connects shelters and neighbors in one place so that people like Pam and Missy can find each other.

What to do if your pet goes missing

Losing a pet can feel overwhelming, but taking fast action helps. These steps guide you through what to do right away.

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1) Search your home and neighborhood right away

Look in closets, garages and under furniture. Walk your street and ask neighbors to check yards and sheds.

2) Upload your pet’s photo to Petco Love Lost

Take a clear photo and post it on the site. AI photo matching alerts you when a possible match appears. It also helps others contact you fast.

3) Visit your local shelters in person

Shelters update kennels throughout the day. Staff can guide you and help flag your pet’s profile. Go often until you get updates.

4) Post on local community groups

Use neighborhood apps, local Facebook groups and community forums. Include your pet’s photo, last known location and your contact info.

5) Put up flyers right away

Use a large photo and simple details. Place flyers at busy intersections and near schools, parks and businesses.

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6) Contact your pet’s microchip registry

If your pet is microchipped, call the registry or log in to your account. Make sure the chip is registered to you, update your contact info and mark your pet as missing so shelters and vets can reach you fast.

7) Stay consistent with your search

Check Love Lost alerts often. Visit shelters and follow up on every lead. Persistence made the difference for Pam and Grayson.

LOST DOGS ON FOURTH OF JULY: HOW TO KEEP YOUR PET SAFE

A pet owner is seen cradling a cat on their lap. (Diego Herrera Carcedo/Anadolu via Getty Images)

How AirTags can help you find a lost pet faster

While tools like AI photo matching are invaluable after a pet goes missing, prevention and real-time tracking can make an enormous difference during the first critical hours. That’s where Apple AirTags come in. An AirTag isn’t a GPS tracker, but it can still be a powerful recovery tool when used correctly. When attached securely to your pet’s collar, an AirTag uses Apple’s vast Find My network. That network consists of hundreds of millions of nearby iPhones, iPads and Macs that can anonymously and securely relay the AirTag’s location back to you.

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If your pet wanders into a neighborhood, apartment complex or busy area, the chances are high that another Apple device will pass nearby and update the location automatically. You won’t know who helped, and they won’t know it was them, but the location can show up on your map within minutes. For indoor cats or dogs that don’t usually roam far, this can be especially helpful. Even a rough location can narrow your search area and save precious time.

Important limits to know: AirTags work best in populated areas. They rely on nearby Apple devices, so coverage may be limited in rural or remote locations. They also don’t update continuously like true GPS pet trackers. That’s why AirTags should be seen as a backup layer, not a replacement for microchipping or dedicated pet trackers.  

How to use an AirTag safely with pets

  • Use a secure, pet-specific AirTag holder that won’t break easily.
  • Attach it to a breakaway collar for cats and dogs to reduce injury risk.
  • Make sure Find My notifications are turned on so you get alerts quickly.
  • Combine it with microchipping and ID tags for the best protection.

Used together, these tools give you multiple ways to reconnect with your pet, whether minutes or months have passed.

For a list of the best pet trackers, go to Cyberguy.com  and search “best pet trackers.”

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Think your devices and data are truly protected? Take this quick quiz to see where your digital habits stand. From passwords to Wi-Fi settings, you’ll get a personalized breakdown of what you’re doing right and what needs improvement. Take my Quiz here: Cyberguy.com  

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Kurt’s key takeaways 

Grayson’s reunion is a reminder that tech works best when caring people put it to use. AI matched the photos, but Missy took action, and Pam never stopped looking. Their persistence helped a senior cat get home after a long and risky journey.

If your pet went missing today, would you know the first step to bring them home fast? Let us know by writing to us at Cyberguy.com.

Sign up for my FREE CyberGuy Report
Get my best tech tips, urgent security alerts and exclusive deals delivered straight to your inbox. Plus, you’ll get instant access to my Ultimate Scam Survival Guide — free when you join my CYBERGUY.COM newsletter.

Copyright 2025 CyberGuy.com.  All rights reserved.

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TikTok ban: all the news on the app’s shutdown and return in the US

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TikTok ban: all the news on the app’s shutdown and return in the US

After briefly going dark in the US to comply with the divest-or-ban law targeting ByteDance that went into effect on January 19th, TikTok quickly came back online. It eventually reappeared in the App Store and Google Play as negotiations between the US and China continued, and Donald Trump continued to sign extensions directing officials not to apply the law’s penalties.

Finally, in mid-December, TikTok CEO Shou Zi Chew told employees that the agreements to create TikTok USDS Joint Venture LLC, which includes Oracle, Silver Lake, and MGX as part owners, have been signed, and the deal is expected to close on January 22nd, 2026. His letter said that for users in the US, the new joint venture will oversee data protection, the security of a newly-retrained algorithm, content moderation, and the deployment of the US app and platform.

Read on for all the latest news on the TikTok ban law in the US.

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