Comment by shit_game

As much as I and (probably) most other consumers agree with you, I don't think the car insurance industry does. Very similarly to how governments being buyers of data from adtech companies makes it an impossibility for governments to enact good privacy laws, there are massive perverse incentives here that place too much money on the table for good things to ever happen; car manufacturers want to gatekeep the sale of our data to insurance companies and governments, insurance companies want to lobby for laws that mandate data collection so that more claims can be denied and profit can rise, and governments are happy to enforce data collection because it strengthens their surveilance mechanisms.