Automakers Are Recording Your Driving Habits And Feeding That Data to Insurance Companies
Automakers are collecting data on the driving habits of Americans and feeding them to a data broker who then shares this data with insurance companies.
Many American drivers are beginning to notice that their car insurance rates are surging – including Kenn Dahl, 65, of Seattle, Washington.
Dahl says he has always been a careful driver. The owner of a software company near Seattle, he drives a leased Chevrolet Bolt. He’s never been responsible for an accident.
So Dahl, 65, was surprised in 2022 when the cost of his car insurance jumped by 21 percent. Quotes from other insurance companies were also high. One insurance agent told him his LexisNexis report was a factor.
LexisNexis is a New York-based global data broker with a division that caters to the auto insurance industry by providing them with risk assessment data on drivers, including keeping tabs on car accidents and driving ticket issuances.
Upon Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.
The report contained more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months – amounting to 640 trips. The report included the dates of all the trips, their start and end times, distance driven and an accounting of any instances of speeding, hard braking or sharp accelerations. The only data it did not contain was where the car was driven.
One example of data collected is that on a Thursday morning in June, the data noted that the car was driven 7.33 miles in 18 minutes and there were two recorded incidents of rapid accelerations and another two recorded hard braking moments.
According to the report, the trip details had been provided by General Motors – the manufacturer of the Chevy Bolt. LexisNexis spokesperson Dean Carney noted that the data it receives from auto manufacturers is used to analyze the driving data of car owners and to create a risk score “for insurers to use as one factor of many to create more personalized insurance coverage.”
Car insurance companies and auto manufacturers working together to snoop on drivers
The information regarding LexisNexis’ role in creating risk assessments for car insurers with the help of auto manufacturers is providing more fuel to the accusations that car-related companies have been secretly surveilling motorists and compiling data on their driving habits using sensors that record how far and how quickly or slowly they drive and how they accelerate and brake.
The automakers share the data with analytics firms, which in turn sell it to insurers that use it to adjust premiums. The goal is for insurance companies to use this data as proof that they need to increase insurance costs on certain drivers.
For more than a decade, insurance companies have been offering special deals to those willing to use third-party trackers and apps that record how they accelerate and brake. But for the most part, Americans rejected those schemes. So, these scorned insurance companies found a workaround by leaning on automakers to generate that data with sensors built into their cars so they can then buy it in secret.
“It felt like a betrayal,” Dahl said. “They’re taking information that I didn’t realize was going to be shared and screwing with our insurance.”
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Survey: Support For Same-Sex Marriage in America Drops For The First Time Since 2015
A survey by the Public Religion Research Institute (PRRI) finds that Americans’ support for same-sex marriage has declined for the first time since 2015, when the Supreme Court’s Obergefell v. Hodges decision guaranteed same-sex couples the fundamental right to marry.
The PRRI survey, aided by the research tool American Values Atlas, was conducted among 22,465 adults from March to December 2023. It found a two-point drop in support for same-sex marriage, from 69 percent to 67 percent, between 2022 and 2023. This marks the first notable decrease in support since the period between 2014 and 2015, when support dipped from 54 to 53 percent.
Moreover, the survey also shows a decline in support for non-discrimination protections for the LGBTQ community. From a peak of 80 percent in 2022, it declined to 76 percent in the 2023 survey. This marks the first notable decrease in support for the LGBTQ community since 2018.
“Our survey shows that support for LGBTQ rights has dipped slightly from 2022 to 2023, although the vast majority of Americans continue to endorse anti-discrimination protections for LGBTQ Americans and the rights of same-sex couples to marry,” said PRRI CEO Melissa Deckman. “The growing partisan divide on these issues shows the effect of the continuous use of LGBTQ identity and LGBTQ rights as a wedge issue in our nation’s culture wars.”
Drop in support likely due to growing resistance against LGBTQ normalization
The drop in support is likely the result of the growing resistance against LGBTQ normalization, which can be associated with what some describe as “LGBT fatigue.”
For instance, in the past few years, far-left activists have kept on promoting LGBTQ “pride,” so-called “gender-affirming” care and child mutilation in public, regardless of age, in educational and workplace settings. School districts in various states, including Iowa, Maryland, Michigan, Minnesota, Pennsylvania and Wisconsin have facilitated secret gender transitions for students while keeping their parents uninformed.
Similarly, companies are using transgender people, who usually turn out to be pedophiles and sex offenders, to advertise their products.
These ongoing far-left efforts to push transgender ideology across various media platforms, schools and workplaces, as well as the perceived imposition of these ideas on the public, especially children, despite the dangers and risks involved, have contributed to public disillusionment.
(Related: Corporate media hypes Pope Francis’ support of SAME-SEX MARRIAGE.)
More conservative states are now starting to ban transgender procedures for minors due to the alarming and increasing number of minors identifying themselves as transgender and believing in the idea of “wrong gender.”
To date, 22 states have already outlawed gender-affirming surgeries based on the data of the Equality Federation, an advocacy accelerator working alongside state-based LGBTQ+ organizations. Arkansas was the first in 2021, holding doctors responsible if they do these surgeries on kids.
Other states like Florida, Georgia, Indiana, Iowa, Louisiana, Mississippi, Missouri, Montana, Nebraska, North Carolina, North and South Dakota, Oklahoma, Tennessee, Texas, Utah, and West Virginia have similar laws, each with its own rules. Meanwhile, the Republican-led South Carolina House approved a ban on gender-affirming care for transgender minors in January and is soon headed to the state Senate.
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“NYC is Finished”: Local Journalist Slams Lawmakers as Illegals, Violent Crime Overwhelms The Big Apple
Cash Jordan, an independent journalist and YouTuber from New York City has recently chronicled the major issues threatening the life of America’s biggest city.
“When you add a housing crisis on top of a crime crisis on top of a humanitarian crisis the city is trying to manage all by itself, you’re creating an unlivable city for normal people,” he said.
Jordan discussed the untenable flow of illegal aliens being poured into the city through the Roosevelt Hotel, which is one of the city’s shelters for illegal aliens, but also the processing center for new arrivals when they first arrive.
“About 180,000 people have come here since this crisis started which is an insane number of folks,” Jordan said. “As I’ve been covering this crisis one thing has kind of jumped out at me as being very strange, and that’s because the reason people can come to New York and get a spot in a hotel like this is because the city has laws that guarantee housing to anyone who asks.”
He went on to explain how the illegal alien invasion can go on infinitely with a never ending stream of people.
“And the thing that’s really strange about this is the city doesn’t have a limit to ‘right to shelter’, no it’s unlimited, and since an unlimited number of people may end up deciding to come here, the city’s goal could end up being that they have to house an unlimited number of people for an unlimited period of time,” Jordan said. “How are they going to do that?”
He mentioned the demographic and economic impact of the illegal alien invasion.
“Will it destroy the city, well maybe not, but it’s certainly going to change it,” he said.
Jordan went on to express doubt that New York City Mayor Eric Adams intends to fix this problem, despite him trying to console the residents.
“City leaders aren’t stupid, the mayor knows right to shelter is going to bankrupt the city, he’s even said as much, but even now he’s not asking for it to be eliminated, just adjusted and he won’t say specifically what those adjustments are, so he could mean anything, we have no idea,” he said. “But that’s probably because 80 percent of the city is in favor of right to shelter.”
The New York City journalist went on to cover another crisis the city finds itself in, the violent crime wave, which he said the city doesn’t really seem to be serious about doing anything about.
“But the real reason the city is in a crime crisis is because they’ve got these laws that stop prosecutors from locking up criminals and removing them from the street after they been arrested for doing something wrong, and those are the city’s bail reform laws,” Jordan said. “And you know New York is the only state where a judge can’t look at somebody who’s got a long wrap sheet, maybe a Mike Tyson face tattoo and say ‘you know what, they might be dangerous’, and then make a decision to hold that person without bail or at extremely high bail.”
Jordan explained the liberal bail reform laws essentially defeat the work of law enforcement, and that any prospective judge who would hold criminals accountable wouldn’t be nominated for a judgeship because the progressive mayor wouldn’t support that nomination.
“Prior to New York becoming as progressive as it is today, we didn’t have the same types of crime problems that we have today, so maybe these two are related,” he said.
Jordan discussed the creeping big brother police state descending on the city.
“And what could end up happening is that crime in New York gets so bad that they have to start rolling out the National Guard to more and more parts of the city, which would essentially make New York more of a police state than it already is,” he said. “Think about this, you could even find yourself in a position where you get searched to go anywhere or do pretty much anything.”
Jordan explained how the crime crisis has not just stripped residents of their safety but also their civil liberties.
“…now people are getting searched, we’ve lost some of our privacy, we’ve lost some of our rights, and as you lose your rights you never really figure out how to get them back, that’s how rights work, once they’re gone they’re gone forever,” Jordan said.
Lastly the journalist reported on the affordability crisis driving regular people out, leaving only the wealthy, as well as a permanent underclass of illegal aliens and street thugs.
“If average people can’t live in this city, it’s going to change completely in ways that are truly terrifying,” he said.
Jordan discussed how New York City is only getting more and more expensive due to regulation and legislation which will end up prohibiting middle class residents from staying, spelling doom for the city.
“And that’s going to create major problems for the city’s economy, like think about it, the people who bring your food to the grocery store, where are they going to live, what about your police, we’ve already got a shortage of police,” Jordan said.
He also stated how not just food access and law enforcement will be impacted, but basic city services like trash pickup and sanitation.
“And that means if the city doesn’t figure out how to change the direction it’s heading, the old New York that we’re all used to, that will be finished, and a new New York City will emerge, but it’s not one I think can exist,” he said.
Jordan made one final prediction, that in the future there will be big changes from the city which will make New York a better place for its residents.
Learn About The Nuclear Bloodbath MSM Won’t Warn You About
Pfizer Scientists Caught Discussing The Quiet Parts Out Loud
Previously unreleased recording reveal Pfizer’s top vaccine researchers discussing major concerns surrounding the mRNA Covid-19 injections. A scientist who had previously been involved in vaccine formulation at Pfizer, together with whistelblower Justin Leslie, a former […]
The post Pfizer Scientists Caught Discussing The Quiet Parts Out Loud appeared first on The People’s Voice.
Report: Over 16,000 Chemicals Found in Common Plastic Products, 3,000 More Than The Previous Estimate
A new report from the PlastChem Project has found that there are at least 3,000 more chemicals present in different plastic products than previously estimated.
Conducted by a team of European scientists and funded by the Research Council of Norway, the report identified over 16,000 chemicals in common products like water bottles, teething toys and even medical products like blood bags.
This staggering number is a significant increase from the previously estimated 13,000 chemicals identified by the United Nations Environment Program.
A few of the thousands of chemicals found in plastics are per- and poly-fluoroalkyl substances, or “forever chemicals,” which are linked to cancer and liver damage and low birth weight; phthalates, which mimic hormones and lower testosterone levels; and bisphenols, which mimic estrogen to disrupt the endocrine system.
(Related: Study: Paper and bamboo drinking straws have HIGHER concentrations of FOREVER CHEMICALS than plastic straws.)
Moreover, the researchers discovered information gaps in over a quarter of the plastic chemicals in circulation. In other words, the chemicals “lack basic information on their identity and more than half have ambiguous or missing information on their functions and applications in the public domain.”
But despite being hazardous, only a small fraction of the chemicals are regulated by environmental agreements – just 980 out of 4,200. Meaning, over 3,200 potentially harmful chemicals are not being monitored, and their spread throughout the environment and to the products sold every day is unknown.
“Only six percent of the chemicals found in plastics are regulated internationally. Without regulatory pressure, there is no motivation to disclose what’s in the plastics,” said Martin Wagner, an environmental toxicologist at the Norweigan University of Science and Technology and the lead author of the report.
Researchers call for strenuous regulation of plastics
Jane Muncke, co-author of the report and managing director of the Swiss nonprofit Food Packaging Forum, warned of the health risks associated with exposure to these chemicals. She claims that certain plastic chemicals have been linked to fertility issues, heart disease, cancer and other adverse health outcomes.
The study used four key criteria to assess the dangers of these chemicals: persistence, mobility, bioaccumulation and toxicity.
Persistence refers to the chemicals’ ability to resist breakdown or degradation in the environment. Mobility, on the other hand, refers to their ability to spread. Bioaccumulation underscores the chemicals’ propensity to accumulate in living organisms over time, potentially leading to adverse health effects. Lastly, toxicity signifies their capacity to cause harm to humans, wildlife and ecosystems.
Similarly, a report published in February confirmed that recycling plastics is neither economically nor practically feasible, contradicting long-standing industry claims.
In response, the authors of the study stressed the need for a holistic approach to plastic regulation, encompassing all stages of the plastic lifecycle – from production to disposal. They emphasized that without significant pressure on both industry and governments to enact change, the hazardous effects of plastic chemicals will persist unabated.
“Governments across the globe want to tackle the plastics problem. However, this can only be achieved if problematic plastic chemicals are properly dealt with. The report provides the much-needed scientific evidence to make plastics safer for the environment and for us humans,” he said.
Listen to this episode of “Finding Genius Podcast” where Steve and Deonie Allen talk about how to address the world’s plastic crisis.
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Secrets of The Texas Solar Eclipse Exposed
Alex Jones broke down the upcoming April 8 solar eclipse and the lore and superstition surrounding eclipses throughout history during his Tuesday show.
“But they treat us like a bunch of ignorant savages, and are hyping all this up and God knows what the globalists are going to pull because they made major preparations for this,” Jones said.
While a solar eclipse is a very standard and common event for the planet to experience, some believe the event may be hijacked by nefarious forces for malevolent reasons, just has been seen in ancient history.
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