Kenn 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 Mr. 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 “Risk Solutions” division that caters to the auto insurance industry and has traditionally kept tabs on car accidents and tickets. Upon Mr. Dahl’s request, LexisNexis sent him a 258-page “consumer disclosure report,” which it must provide per the Fair Credit Reporting Act.
What it contained stunned him: more than 130 pages detailing each time he or his wife had driven the Bolt over the previous six months. It included the dates of 640 trips, their start and end times, the distance driven and an accounting of any speeding, hard braking or sharp accelerations. The only thing it didn’t have is where they had driven the car.
On a Thursday morning in June for example, the car had been driven 7.33 miles in 18 minutes; there had been two rapid accelerations and two incidents of hard braking.
Most likely the module, if it is a separate module and not part of the SoC of the infotainment system or whatever, works over CAN bus and the car will throw errors when it doesn’t detect its presence, or doesn’t detect the SIM card. Might even refuse to start if that module is missing. Might be possible to remove the antenna so the car thinks it’s just outside of the service area, but if it’s built into the PCB and the PCB is cast into resin/silicone for waterproofing, even this might be extremely difficult. Probably the module is also serialized* so replacing it with a “dummy” module or a module from a junkyard won’t spoof the system, either.
*Manufacturers have been serializing even airbags for years, making replacing a faulty one with one from a junkyard impossible.
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Yeah, some aluminum foil on the inside of those shark fin antennas will probably stop all communication. Just have to use your phone for radio & navigation, which isn’t a big deal on CarPlay or whatever the androids use.
If you use foil, it’d be best to connect it to ground. The metal shell of a car is usually connected to the ground terminal of the battery.
Maybe we can trick it forever that it is far away from a cell tower. That way the car has to start without connection.
Who knows, maybe they force you to use their app and after driving and connecting to the internet, that sends data back to the manufacturer.