The policy authorizes collection of driver behavior data including vehicle speed, braking and acceleration patterns, seatbelt status, and trip duration, and states that this data may be disclosed to General Motors Insurance for usage-based insurance purposes with affirmative consent.
This analysis describes what General Motors's agreement states, permits, or reserves. It does not constitute a legal determination about enforceability. Regulatory applicability and practical outcomes may vary by jurisdiction, enforcement context, and individual circumstances. Read our methodology
This provision establishes that granular driving behavior metrics may be used to inform insurance rate determinations when the user provides affirmative consent, creating a direct link between vehicle operation data and financial product pricing that has implications for insurance regulatory compliance and consumer disclosure requirements.
The updated statement narrowed its definition of personal information from 'identifies, relates to, or could reasonably be linked to you' to 'describes, relates to, or could reasonably be linked to you.' This language change affects which information GM must treat as personal information under the policy. The revised de-identification section reorganizes prior language, now stating GM 'may use technical measures to remove information that could reasonably identify you or your vehicle' and requires 'the same safeguards from any third parties we share it with.' The policy clarifies that its protections apply to personal information dealers disclose to GM, but do not cover dealers' independent data practices. Cruise is no longer listed as a GM affiliate exempt from this privacy statement, though the scope of privacy protections for Cruise users depends on whether Cruise now operates under this statement or maintains separate privacy terms.
View change record →The agreement authorizes collection of driver behavior data including speed, braking, acceleration, and seatbelt status, and states that with affirmative consent this data may be disclosed to General Motors Insurance to influence insurance quotes or policy rates through usage-based insurance programs.
Cross-platform context
See how other platforms handle Driver Behavior Information Collection and Disclosure and similar clauses.
Compare across platforms →"Driver Behavior Information Information about how you drive a vehicle that is linked or reasonably linkable to you, such as vehicle speed, seatbelt use information, information about braking and acceleration habits, and related trip time and duration. We may also collect Seatbelt Information (whether the driver or passenger seatbelts are latched or unlatched) while the vehicle is in use to deliver OnStar services as set forth in the OnStar Services Consent available. General Motors Insurance when you have given your affirmative consent to disclose Driver Behavior Information or Precise Geolocation Information for usage-based insurance offers or to help determine your rate for an insurance quote or policy.Excerpt from General Motors's GM Privacy Statement
(1) REGULATORY LANDSCAPE: The use of driver behavior data for insurance rate determination engages state insurance regulatory frameworks in each state where GM Insurance operates.
Enforcement risk, jurisdiction flags, contract triggers, and due diligence action items.
Search "[your state] attorney general consumer complaint" to find your state's direct complaint form
Get the research letter
Companies change their terms quietly. We read every version and catch what actually changed. One email a week on the changes that matter and what they mean.
This provision establishes that granular driving behavior metrics may be used to inform insurance rate determinations when the user provides affirmative consent, creating a direct link between vehicle operation data and financial product pricing that has implications for insurance regulatory compliance and consumer disclosure requirements.
The agreement authorizes collection of driver behavior data including speed, braking, acceleration, and seatbelt status, and states that with affirmative consent this data may be disclosed to General Motors Insurance to influence insurance quotes or policy rates through usage-based insurance programs.
No. ConductAtlas is an independent monitoring service. We are not affiliated with, endorsed by, or sponsored by General Motors.