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I’ll preface this by saying this shady shit gets all my hate.
It’s tempting to opt for telematics/black box insurance because of the initial cheaper prices but the privacy violations and potential downsides make it not worth it.
The overall problem here is that human psychology tends to frame this difference as a loss not a gain. Given the choice, people will see the cheaper option as the baseline, and then ask “can I afford to pay more for privacy?” instead of affirming “my privacy is not worth this discount.”
Also, those of us that have paid for insurance without such a “discount”, are likely keenly aware of the difference. For new drivers, from now to here on out, the lack of past experience presents a new baseline where this awfulness is normalized. Competition between insurance providers won’t help us here since the “privacy free” option is still profitable and is enticing for new customers (read: younger, poorer). So it’ll take some kind of law, collective action, or government intervention to make this go away.
Have fun fighting with your insurance to get them to remove anything from your record. […] If I had spyware insurance they would’ve dinged me for it.
I think this is the bigger problem. If someone has the data an insurance company wants, you probably agreed to an EULA or signed something that makes their ownership, and its sale, legal. With the “yeah go ahead and use my data” option on the table, the machinery to do this without your knowledge is already in place. All the insurance provider has to do is buy the data from someone else. When the price is right, 1st party spyware isn’t required at all.
That’s alarmingly low - it suggests that it doesn’t take much for any given influencing campaign. If there are fifteen discrete such campaigns in play, that’s just 1/100 of everyone. Now imagine that there’s tens of such campaigns, and the numbers look even more reasonable. Also, it’s probably cost-effective at this scale since this has been with us a while, which is terrifying.
What I want to know is: what percentage are human users that ate the
onionmetaphorical tequila worm1 and are now parroting these trolls?1. Follow me here: drink a bottle and eat the worm inside. You’re not thinking straight and did something you wouldn’t do if you had your wits about you, or maybe a friend nearby that is thinking clearly. Propaganda has a way of forcing you into a phantasm by emotional manipulation, making it easy to jam all kinds of nonsense into your head. Extending the metaphor, said propaganda also lays out how to defend your worm eating habit as though it’s totally normal to do.