Good advice. They have a stationary and a rolling state. During the stationary state they will sample pressure every 30 seconds, and will transmit if there is a pressure change. Looks like the BCM can respond to that even in its benign state. I have received tire pressure alerts even though my car has been sitting in the garage for several day. Happens when the temperature drops with a corresponding drop in tire pressure that takes it just below the threshold.

 

I just called the Lexus Nexus number, 888-217-1591 to opt out. It was very easy, although the phone tree states to have your DL or SSN ready, the agent requested my SSN. As a retired security expert, I can tell you a SSN is much more sensitive than a DL, so I provided the DL and requested a hard copy of my file. They said within 10 days they would send a letter confirming the opt out and a link to the file. I reiterated my request for a hard copy of the file and they finally agreed saying the file would be in a second letter.

This may be a better approach than altering the vehicle due to a number of reasons, including the prohibition of disseminating ALL information LN has. After all, I'm not sure I care what the car is reporting if it's unattainable.This is important because increasingly, more and more devices are becoming "smart" like appliances and therefore collecting data that is web accessible and therefore LN obtainable. If you're like me with a monitored home security system, you wouldn't want your homeowners hazard insurance being raised because a smoke detector alarmed due to burnt food and no I'm not going to admit how often that occurs.🙂

 

Any clue if this is only possible if you're in X state, or is it available no matter what state you live in?

 

I'm in Idaho, not mentioned by LN, so I'd say the state doesn't seem to matter. But there's a good way to find out...

 

Ya I'll give them a call to find out thanks for the response. Just wanted to make sure I understand. You called them & asked for them NOT to share your driving habits etc. with insurance companies & they told you they would not share that info, correct? If I'm missing anything please elaborate

 

Per my post, I requested through the opt-out that they not share any information reported to them to anyone, for any reason. The opt-out as I explained is of far more importance than that which is provided by the vette, but includes all that information, as well.

 

Thank you!!!!!

 

Now it's just an issue of them abiding by that opt out or they start adding it later again. I don't particularly trust companies that do this shady stuff especially for profit.

 

I was planning on asking them how long this 'disable' period would lost & probably would check in with them twice a year to verify I'm still disabled.

 

According to them, the letter will specify the scope and content of the opt-out. Time will tell. If you have doubts, a call to them wouldn't hurt.

 

According to them, it's permanent, but you can opt back in.

 

Is this different than a freeze? Because if you freeze your LN account and apply for insurance with any company that pulls your LN report as part of their under writing process, you will be declined.

 

It's done. Antenna is disconnected.

What a MASSIVE PITA it is getting behind the fender liner.

 

How long did it take you to do it all & reconnect it? Let me know what else it affects & if you end up avoiding sending info alltogether

 

This is one of my concerns. What are the potential consequences of opting out or having them delete your data? I.e., if an insurance company sees you opted out or deleted the data from LN or Verisk what happens? Do they assume you are the worst risk or uninsurable?

 

There's really a lot of questions and options here. I can summarize what I've learned and am still learning and don't know.

Options to avoid telematics data collection
- Turn it off at the source by disconnecting the 4G antenna. Downside is minimal, no OTA updates but we've recently heard that GM has disabled these anyway due to the car getting bricked far too often. So AFAIK, there is no downside other than it's a bit of a PITA to do
- Call OnStar and ask them to shut everything down. Downside is the people I've spoken with at OnStar have no clue what LexisNexis is, or that their data is being shared with LN and that they can shut off everything but don't know if it will accomplish what I'm asking. There's a lot of risk to this method as we don't really know if it's worked without first ordering an LN report, seeing whats on it, then ordering another one a few months after talking to OnStar and seeing if there's any new data
- Calling LN and putting a freeze on your account. Downside, any insurer that pulls LN data as part of their underwriting process will nearly 100% decline your application if there is a freeze (much like if you have a credit freeze with Experian and apply for credit and the bank can't see your credit history)
- Calling LN and having data deleted.
-- Telematics data if deleted will cease to exist on the report and nobody is expecting it to be there in the first place. I see no risk if you can get this deleted. It will be easier to have deleted if you live in a state with certain privacy regulations
-- If somehow you get LN to delete ALL data (say you're in CA and invoke CCPA), you probably run into the same risk as having no credit history when applying for credit. That is, if the insurer uses LN for underwriting. Many insurance companies do not. You can see on your LN consumer report who has pulled the report. None of my insurers are on that list.

The angle I am pursuing (and I am not in one of the states with privacy laws), is 1) disconnect OnStar at the vehicle (I did this today), 2) Call OnStar and get them to turn off everything (I did this yesterday), 3) Get LN to delete my telematics records by disputing the data. "I was not the driver". Under the FCRA law, if they cannot prove it's my data (and how can they prove I was driving), they are required to delete it. (I filed my dispute yesterday, LN has 30 days to respond).

 

If I could do it all over again, knowing what I know now, I think I could do it in under an hour with a jack in my driveway. If I had a lift and all my tools right there ready to go, possibly 15 minutes. But it took me two or three hours, because of the )(#&$#&$ fender liner. As it turns out, I think this can be done without removing the liner, if I can pull it back enough to get my hands into the upper left corner, I think I can disconnect it by feel without seeing what I'm doing. The connection isn't in the wheel well, it's to the left toward the door behind the fender itself. I may need to get a small screwdriver in to pop the safety tab on the connection. If you've never done it before, you're probably going to have a hard time without being able to see what you're doing. Also someone (teenager?) stole my 22mm 1/2" drive socket from my toolbox so I had to drive to home depot to buy a new one to torque my lug nuts properly

 

"Permanent" is not a freeze. It's permanent.😉

 

i'm just going back to your quote
"Per my post, I requested through the opt-out that they not share any information reported to them to anyone, for any reason. The opt-out as I explained is of far more importance than that which is provided by the vette, but includes all that information, as well."

If you apply for new insurance of any sort, and they use LN as part of their underwriting process and go to pull a report from LN, but nothing is returned for whatever reason (opted out, frozen, whatever), your application will be denied. That may be absolutely fine for your situation, but others should be aware. It's like applying for a credit card and the bank goes to pull your credit report from a CRA like Experian and gets nothing back, your application is getting denied. This is a problem for me, and why I am going down the road of trying to get only my telematics data deleted from the LN database.

Looking at my report, the only institutions I've seen that have pulled my report is Wells Fargo and JP Morgan. Which is good, I don't see any insurers here.
I take that back, I found another section listing AMEX, Turbo Insurance Group, Bankers Healthcare, Next Insurance, Experian, NC Financial Solutions dba NetCredit, Barclay, US Bank

 

I'm in California so I can opt-out of of LexisNexis sharing my data and I also requested that they delete my data. Hopefully if that causes any problems I can opt back in without negative consequences.
Additionally, I opted out of GM sharing my data so if I opt back in to LN I shouldn't have any problems with GM providing data to LN. I also opted out of Smart Driver a while ago.