The Connecticut Insurance Department published a Consumer Notice warning drivers that they may be unknowingly sharing driving information that could affect their insurance rates. The Department warns that certain features such as GPS, emergency services connectivity, or using vehicle-related apps may result in a person's driving data being collected and sold to third parties, including insurance companies.
When buying a new vehicle or downloading an app, the buyer may inadvertently opt-in to a data collection program. These programs track driving behavior, including speed, braking, and acceleration events. If an insurer acquires this data, it can be used to analyze risky driving behavior and affect the driver's insurance rates. The data could have a positive or negative effect on the insured's eligibility for coverage and on their premiums. Insurers are required by law to disclose the reasons for any loss of eligibility for coverage and increased premiums.
The Department lists some things drivers can do to prevent the sharing of their driving data. When buying a new vehicle or downloading a vehicle-related app, consumers should review the terms and conditions and look for information about data collection and opt-out options. Consumers can also contact the auto dealer or the vehicle's manufacturer to learn how to opt out of data collection programs. They are also advised to periodically review their vehicle's electronic features and disable any features or permissions they are uncomfortable with.
The Consumer Notice can be found here.