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How Your Phone's Driving Data Could Affect Insurance Rates

How Free Apps Like Life360 and GasBuddy May Increase Your Auto Insurance Premiums

Many consumers assume that free apps earn revenue through advertising. However, some popular mobile applications generate additional income by collecting and sharing user data—including information about driving habits. Privacy advocates, regulators, and consumer protection groups have increasingly raised concerns about how driving behavior data gathered through smartphone apps can ultimately influence auto insurance underwriting decisions. The issue has become significant...

How Automakers Turn Driver Data Into Billion-Dollar Revenue Streams

Automakers Are Becoming Data Companies: How GM, Ford, Tesla and Stellantis Plan to Generate Billions From Driver Data

The global automotive industry is quietly undergoing one of the largest business model transformations in its history. For more than a century, automakers generated revenue primarily through vehicle sales and financing. Today, companies including General Motors, Ford, Stellantis and Tesla are pursuing a different objective: turning every connected vehicle into a recurring revenue platform. According to public investor disclosures, leading...

How a License Plate Becomes a Person: Inside the Correlation Pipeline That Connects Cameras, DMVs and Insurers

How a License Plate Becomes a Person: Inside the Correlation Pipeline That Connects Cameras, DMVs and Insurers

Introduction A license plate is, by itself, an anonymous string of seven or eight characters. The privacy implications of the surveillance economy documented in Parts 1 and 2 of this series depend entirely on the ability of commercial actors to convert that string into a named individual — with an address, a phone number, a driving history and, increasingly, a...

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