Incident 733: Auto Insurers Allegedly Are Surreptitiously Collecting and Scoring Driver Data

Description: The insurance industry allegedly uses AI and telematics to score drivers based on behaviors tracked by automakers and apps like Life360. Data, often collected without clear consent, may affect insurance rates and raises privacy concerns. Consumers are largely unaware of this surveillance, leading to potential misuse and discrimination based on driving habits or socioeconomic factors.

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Entities

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Alleged: MyRadar , Life360 , Connected Analytic Services and Arity developed an AI system deployed by USAA , Toyota , Progressive , MyRadar , Life360 , General Motors , GEICO , CSAA , Connected Analytic Services , Arity and Allstate, which harmed Privacy-conscious individuals , People with poor credit scores , Lower-income workers , Drivers unaware of data collection , Consumers affected by insurance rates , Life360 users and MyRadar users.

Incident Stats

Incident ID

733

Report Count

Incident Date

2024-06-09

Editors

Incident Reports

Reports Timeline

Is Your Driving Being Secretly Scored?

nytimes.com

Car insurance companies secretly collecting driver data with the help of phone apps: report

nypost.com

nytimes.com · 2024

You know you have a credit score. Did you know that you might also have a driver score?

The score reflects the safety of your driving habits --- how often you slam on the brakes, speed, look at your phone or drive late at night.

While you c…

nypost.com · 2024

Popular smartphone apps used to track people's location and provide weather reports may hand over driving data to a firm that sells the information to insurance companies for the purposes of setting rates for unsuspecting motorists, accordi…

Variants

A "variant" is an incident that shares the same causative factors, produces similar harms, and involves the same intelligent systems as a known AI incident. Rather than index variants as entirely separate incidents, we list variations of incidents under the first similar incident submitted to the database. Unlike other submission types to the incident database, variants are not required to have reporting in evidence external to the Incident Database. Learn more from the research paper.