Driving habits reported to your insurance company?

markabby said:

i was told the reason insurance rates have gone up is because more and more people are driving without insurance, more vehicles are driving "driverless", and more people are driving while texting. All of those cause more accidents. Additionally, there's some insurance companies that offer "only what you need" which makes them affordable, but never covers the full costs of accidents. Most people that have that type of insurance are usually non-home owners and most likely single. That way a law suit can't get much out of them.

it's like the increase of shoplifting..many people do it, so we pay more to cover the losses.

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I believe you may have a defective news source. News is like history, those that share either may have a different idea about reality or even a nefarious motivation to misrepresent the facts.

AFAIK, insurance companies have been losing lots of money due to death benefits payouts and property damage claims due to storms.

The number of unexpected deaths of younger people have sky rocketed in the past few years and that's hurting insurance companies more than anything else.

Several companies have in recent times, refused to write policies in Florida and other states impacted by hurricanes because of recent property damage payouts.

There's also the steady stream of automobile thefts thanks to the lack of security used with electronic ignition systems but, I'm not sure that even registers a blip along side the previously mentioned payouts.

I'm confident that any large city in the US or Canada has endless reports of newer vehicle thefts.

Apparently, there's a great market overseas for pre-enjoyed trucks and SUVs.

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Curmudgeon said:

I never signed up for anything. No uConnect, no satellite radio, no OnStar, nothing.

And yet...

I had to manually change the clock in my wife's 2011 Eclipse for Daylight Savings Time, but not my truck. My 2014 Ram already displayed the updated time change.

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Once every couple of months I activate it to up date the time, other than that I don't even keep the time sync in mine activated. Not connected to anything in between.

Kickboxer said:

Your warranty has nothing to do with staying connected with Ram Connect,
U Connect or whatever. Just don't allow it. I would not sign up for that from
the start when purchasing new. Cancel it right now. C'mon man.......
This is not rocket science.

That being said, there is still the black box, and that is an entirely different
thing. Those are an "Event Data Recorder", and can be used in the event
of an accident to find out vehicle data, such as braking, vehicle speed etc. They have been in cars since 2014, and they do not report anything to insurance companies, etc. on a live basis. Only in the event of an accident to find out
which driver or car is at fault.

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The "Black Box" has been in vehicle a lot longer than 2014. They have been around since at least 2000 if not earlier. The Air Bag Control Module is in most cases the "black box."
There was an accident in the Province of Quebec a long time ago where the Police wanted access to the "Black box" after an accident. After a lenghty court battle, the Police won and gained access. That court case went a long way in Big Brother checking on you after an accident. Speed, brake application and air bag deployment were all logged.

There is a passive data stream from your truck if you have a shark fin...no matter what you activate, pay for, or have "deactivated".

If you have not intentionally opted-out of data collection it is, in fact, happening to you right now (see post #5).

There are gobs of money to be made with little effort with personal info. Companies (not just Stellantis) will make it as difficult as possible for you to protect your information so that you give up and let them sell it for profit. Ever try to "lock down" your Google Maps or delete your history on there? Set aside some time because it is not a quick task...then an update comes out and changes the settings putting you back to square one.

There is always something under the surface for "them" to make it worthwhile. California passed the digital cookie preferences requirement. That's great but some websites make it very time-consuming to opt-out to the point where many won't. And if you do many of them won't allow you to the website because you are "not supporting" them by allowing cookies for personal ads (which means they are not collecting data to sell).

The next step is subscription based options. You still have to pay for the options on the truck (adaptive cruise control, heated seats, etc.) but you will have to pay for them to be activated and use them. My guess is something like SXM - a trial period then you have to pay to keep using them.

Tulecreeper said:

Once every couple of months I activate it to up date the time, other than that I don't even keep the time sync in mine activated. Not connected to anything in between.

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You can change the clock yourself, very simple, look into it.
Why use u-connect for that..................

for 5th gens you can call Guardian at 877-855-8400 to opt out of data collection the FCA number for my 4th gen was 800-777-3600 cancel for privacy reasons. as many have said this is not for XM etc, but that being said i'm not sure how disconnecting these impacts those services. for my 3rd gen nothing has to be done but keep diesel in the tank and oil in the case... hope this helps... TY for the other data opt outs posted here...

Kickboxer said:

You can change the clock yourself, very simple, look into it.
Why use u-connect for that..................

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Explain how I would do it without using Uconnect?

brian42 said:

There is a passive data stream from your truck if you have a shark fin...no matter what you activate, pay for, or have "deactivated".

If you have not intentionally opted-out of data collection it is, in fact, happening to you right now (see post #5).

There are gobs of money to be made with little effort with personal info. Companies (not just Stellantis) will make it as difficult as possible for you to protect your information so that you give up and let them sell it for profit. Ever try to "lock down" your Google Maps or delete your history on there?

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My PC browser deletes my online search history, empties my cache, and deletes all my cookies every time I close it down. If you're referring to a smart phone, I've had mine for 4 years and the only time I have used it to access the internet...ever...is when I check the weather.

Tulecreeper said:

Explain how I would do it without using Uconnect?

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Read your operators manual. It is done through your touch screen.
Just like every other setting you can do yourself. Its under vehicle, then scroll
to time.

Kickboxer said:

Read your operators manual. It is done through your touch screen.
Just like every other setting you can do yourself. Its under vehicle, then scroll
to time.

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The touch screen IS the Uconnect. It's what I use to momentarily sync the clock to update the time, then I un-sync it again. What did you think I was referring to?

You can use the touch screen without being connected to anything,
it is simply a control panel for the vehicle.
Have you read your manual ?

Kickboxer said:

You can use the touch screen without being connected to anything,
it is simply a control panel for the vehicle.
Have you read your manual ?

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Believe me, I know how the touch screen/Uconnect works. I think we're talking about two different things here. And yes, I've been through the manual front to back several times. There isn't anything on this truck I don't know how to use.

brian42 said:

There are gobs of money to be made with little effort with personal info. Companies (not just Stellantis) will make it as difficult as possible for you to protect your information so that you give up and let them sell it for profit.

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Gobs of money and all sorts of other nefarious uses for your data. If anyone isn't very up-to-date on the recent developments in AI, you might want to study up a bit because, like it or not, this impacts all of us and is getting worse at break-neck speed.

The movie I've linked below is an exposure of how our personal data is being harvested for $ and various other nefarious practices. It's a bit long (88 minutes) but very informative. You might want to download it and watch in shorter sessions.

Keep in mind that this movie was released almost 4 years ago and references to the use of AI are miles behind where they are today.

brian42 said:

Ever try to "lock down" your Google Maps or delete your history on there? Set aside some time because it is not a quick task...then an update comes out and changes the settings putting you back to square one.

There is always something under the surface for "them" to make it worthwhile. California passed the digital cookie preferences requirement. That's great but some websites make it very time-consuming to opt-out to the point where many won't. And if you do many of them won't allow you to the website because you are "not supporting" them by allowing cookies for personal ads (which means they are not collecting data to sell).

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I completely agree with the above. I have disabled Google on my phones and PCs, disabled my history on YouTube, and keep both my phone and PCs locked down. There are no automatic updates in my world, I pick and choose what I deem safe and required.

I won't go on a rant about Google, most know they're evil. There are other search engines that don't harvest your data or manipulate the results. Consider learning about privacy-conscious search engines like;



My phone is as locked as it gets without rooting. A small number of apps have network access while the remainder that couldn't be removed have been locked. When you get an Android phone, it literally has 100's of apps, all configured to call home and share the network pipe with your personal info.

Most of the apps can't be removed without rooting your phone thanks to Android/Google. I use an app called NetGuard.

https://netguard.me

brian42 said:

The next step is subscription based options. You still have to pay for the options on the truck (adaptive cruise control, heated seats, etc.) but you will have to pay for them to be activated and use them. My guess is something like SXM - a trial period then you have to pay to keep using them.

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AFAIK, Toyota did a surprise launch of subscriptions for everything, cc, heated seats, remote start, etc. In the many stories I read, the victims claim that there was no fine print agreement signed and that after a year of promo, suddenly, many features disappeared unless you paid.

I don't have any personal knowledge that there wasn't a signed user agreement by the victims, but the subscription aspect was real. I'm not sure if the customer backlash caused a correction or not.

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Tulecreeper said:

Believe me, I know how the touch screen/Uconnect works. I think we're talking about two different things here. And yes, I've been through the manual front to back several times. There isn't anything on this truck I don't know how to use.

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You talked about changing the time on the clock on your Ram, it is a fact you don't need Uconnect to do that. Just like you don't need Uconnect to change the time on your clocks in your home or the watch on your wrist.

Kickboxer said:

You talked about changing the time on the clock on your Ram, it is a fact you don't need Uconnect to do that. Just like you don't need Uconnect to change the time on your clocks in your home or the watch on your wrist.

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Uconnect is simply the name of the touchscreen/EVIC system in your RAM. You absolutely do need to use Uconnect to change the time or make any other settings on your system. All I said was that I access it once in a while to change the time manually because I don't keep it synced to GPS. If you touch the screen to change radio channels, you are using the Uconnect system.

I wonder what data is collected in my 1987 Toyota Celica GTS?

liedoctor said:

I own a 2022 Corvette and discovered that my driving habits were being tracked and reported through their "OnStar" hardware, including what they consider hard acceleration and hard braking events. I disabled this in the app by unenrolling from Chevrolet "Smart Driver", which of course was turned "on" by default. A few of my friends mentioned their information has been sold and even ended up on their credit report in some cases. They literally assign you a driving score!

I'm wondering if Stellantis is doing the same on their connected vehicles (like the new Ram?)

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it's the new "Reset" where government knows best. I'll never sell my 2007 Cummins. We're looking to replace our 2005 Honda Pilot and I'm going to have to research Honda's involvement in this. That's not mentioning the bs electric parking brakes and the stall/start madness. Pushing that button every time is lunacy. Yeah I'm old.

Big3MG said:

I wonder what data is collected in my 1987 Toyota Celica GTS?

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Nothing but the government's upset it's such a fine, economical and reliable ICE car.

I never signed up for UConnect, Allstate tries to get me to sign up for their “Drive Wise”…Ain’t no Freaking way, Allstate did inform me that they would get info from 3rd party sources…whatever

I opted out...

Having said that, I'll bet all of you have Alexa, Google Assistant, Siri, or at least use Amazon or Google search, Facebook, etc.

Know this... You're being tracked nearly 100% of the time.

And the insurance is going up mostly due to the "Defund the Police" BS. They're not prosecuting anyone for crimes anymore cause "the insurance will pay it".

My homeowners went up 20% this year - never had a claim in 32 years. Don't live in a high crime, flood, or other natural disaster area.
But I'm paying for those that do.