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Security Widely confirmed5 publishers 2 min read Published

First-start consent screens open new cars' driving data to insurers and brokers

Consumer Reports and Northeastern studied 15 automakers and found drivers can unknowingly agree to driving-data collection at a new car's first start-up. The exposure is consent given on a touchscreen, and tracking where the data goes falls to whoever owns the car or the fleet.

The Watch · Security desk

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Illustration accompanying First-start consent screens open new cars' driving data to insurers and brokers
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What happened

  • Consumer Reports read thousands of pages of privacy policies and questioned BMW, Ford, GM, Honda, Hyundai, Kia, Mazda, Mercedes-Benz, Mitsubishi, Nissan, Stellantis, Subaru, Tesla, Toyota and Volkswagen.
  • The same consent forms can also pop up in a connected mobile app, and many owners accept the terms without reading them.
  • Insurers and lenders receive the data as partners in telematics data exchanges that compile driving data on millions of drivers.
  • Local and state government agencies working on planning, traffic and safety projects are also among the recipients.

Why it matters

  • Who's exposed exposure Drivers who finance a car or buy insurance can be assessed on trip data they did not knowingly hand over.
  • Who has to decide decision Fleet operators have to treat vehicle provisioning as a consent event and decide who accepts the first-start forms, and whether anyone should.
  • What it limits constraint The controls are the consent screens and the purchase or lease terms, so privacy and procurement staff own this exposure and the security team supports them.

No exploit is involved. The data leaves under terms someone accepted, and Consumer Reports wrote that "you may agree without knowing you've done so" [5]. The agreement arrives as a series of consent forms, privacy policies among them, on the infotainment display that also controls heat and AC, navigation and music [6].

CR's account assumes the person at that screen is the buyer of a new car [6]. In a fleet, the person at the screen is whoever provisions the vehicle. The terms they accept then cover data from the drivers who take it out later [13].

On insurance, CR's evidence is about who buys the data. CR reviewed corporate, regulatory and legal filings from insurtech brokers, the companies that help insurers set their rates [3]. Thousands of data brokers on the receiving end build personalized risk scores [9]. The schneier.com post that carried the excerpt went further: "Basically, your car's manufacturer has you under constant surveillance, and they use that data against you" [12]. The research supports the collection half of that sentence. The excerpt does not say which of the 15 automakers send data to which buyers, or show a premium that changed because of one driver's trips [2].

The buyers extend past insurance. Companies selling infotainment and WiFi hotspot products receive the data too [11]. Several car privacy experts CR spoke with have described the profit potential of individual driving data as the "new oil" at industry conferences and in market reports [4].

What to watch

  • Per-automaker results showing which of the 15 brands send data to telematics exchanges or insurtech brokers.
  • An insurer or lender disclosure tying a rate or credit decision to data bought from a telematics data exchange.
  • Regulatory or legal action over consent captured on first-start infotainment screens.

Clarity's read

What the record supports and how the coverage leans. The claims behind it follow.

Reality

Evidence60
Adoption80
Hype gap+20
Incentives45
Confidence60

Perspective Coverage

5 publishers
Builder
Builder 24%
Operator
Operator 56%
Investor
Investor 20%
Why these scores

Claim ledger

Ranked by verification strength, evidence, and original report placement.

  1. [1]

    Researchers at Northeastern University, in collaboration with Consumer Reports, evaluated how much modern cars spy on their drivers.

    Reported Supported Source: Consumer Reports / Northeastern University research, excerpted on schneier.comView cited source
  2. [2]

    Consumer Reports dug through thousands of pages of automakers' privacy policies and asked questions of 15 automakers: BMW, Ford, General Motors, Honda, Hyundai, Kia, Mazda, Mercedes-Benz, Mitsubishi, Nissan, Stellantis, Subaru, Tesla, Toyota and Volkswagen.

    Reported Supported Source: Consumer ReportsView cited source
  3. [3]

    Consumer Reports reviewed corporate, regulatory and legal filings from data brokers in the 'insurtech' industry, the technology companies and data brokers that help insurance companies set their rates.

    Reported Supported Source: Consumer ReportsView cited source
  4. [4]

    Several car privacy experts Consumer Reports spoke to have, at industry conferences and in market reports, described the profit potential of individual driving data as the 'new oil.'

    Reported Supported Source: Consumer ReportsView cited source
  5. [5]

    "We found that while some automakers may obtain your 'permission' to collect your driving data, you may agree without knowing you've done so."

    Reported Supported Source: Consumer Reports, as excerpted on schneier.comView cited source
  6. [6]

    After buying a new car, when the owner first turns on the infotainment system, the onboard display that can control heat and AC, GPS navigation and music, they are usually shown a series of consent forms, including ones about privacy policies.

    Reported Supported Source: Consumer ReportsView cited source
  7. [7]

    The consent forms can also pop up on a connected mobile app, and many people simply accept the terms without reading them.

    Reported Supported Source: Consumer ReportsView cited source
  8. [8]

    Companies receiving drivers' data include car insurers and lenders that are partners in 'telematics data exchanges,' which compile driving data on millions of drivers.

    Reported Supported Source: Consumer ReportsView cited source
  9. [9]

    Recipients of drivers' data include thousands of data brokers that create personalized risk scores.

    Reported Supported Source: Consumer ReportsView cited source
  10. [10]

    Recipients of drivers' data include local and state government agencies working on planning, traffic and safety initiatives.

    Reported Supported Source: Consumer ReportsView cited source
  11. [11]

    Recipients of drivers' data include companies selling infotainment and WiFi hotspot products.

    Reported Supported Source: Consumer ReportsView cited source
  12. [12]

    "Basically, your car's manufacturer has you under constant surveillance, and they use that data against you."

    Reported Contested Source: Commentary in the schneier.com post that excerpted the Consumer Reports researchView cited source
  13. [13]

    For a fleet-owned vehicle, the consent forms shown at first infotainment start-up are accepted by whoever provisions the vehicle, and those terms then cover data from drivers who use it later.

    Derived Insufficient

Sources

5 independent publishers whose own reporting we read for this story.

  1. helpnetsecurity.com

    1 article · October 1, 2026

    Some car apps are slipping owners’ data to big tech companies
  2. malwarebytes.com

    1 article · September 30, 2026

    Your car’s app could be telling Big Tech who you are and where you go
  3. schneier.com

    1 article · October 1, 2026

    Connected Cars Are a Surveillance Platform
  4. techcrunch.com

    1 article · September 29, 2026

    Your car and its mobile app are probably handing over all kinds of data to tech companies
  5. therecord.media

    1 article · September 30, 2026

    Automakers routinely share personally identifiable connected-car data with third parties, report says

Topics and entities

Topics

  • Data Brokers
  • Advertising and analytics tracking
  • Connected-car privacy