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Many new vehicles come equipped with event data recorders (EDRs), those black boxes that record and store data in the moments before and after a crash. Until 2000, only manufacturers could gain access to and decode the information that these devices gathered. Now, with a laptop and a specialized computer program, virtually anyone can download this data. As a result, car owners are concerned about what data is being collected and how it can be used by police, employers, rental car agencies, and, most notably for our discussion, insurance companies.

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