Do you know who's already grading how you drive?

The exact clicks

1. Open your car's own mobile app (e.g. myGM/OnStar, FordPass, Toyota app, or your manufacturer's equivalent) and sign in.
2. Look in the app's Settings or Privacy section for something named 'Connected Services', 'Data Sharing', 'Smart Driver', or 'Driving Data' — wording varies by brand.
3. Turn off any toggle that shares your driving behavior or location data with third parties — this is usually separate from turning off safety features like crash notification, which you likely want to keep.
4. If you can't find it in the app, check your car's own touchscreen settings menu for a similar 'Connected Services' or 'Data Privacy' section — some brands only expose it there.
5. Request your own free consumer disclosure report from LexisNexis Risk Solutions: go to consumer.risk.lexisnexis.com and submit a request (needs your name, address, and date of birth), or call 1-800-456-6004. This is a real, federal right (FCRA) — the same law that lets you request a free credit report — and it shows you what's actually been collected under your name.
6. Understand what this does and doesn't do: turning off the sharing setting stops new data from being sent going forward. It does not delete or undo data already shared with brokers or insurers before you changed it.

What changes

• Verified live (17.9.2026) against multiple independent 2026 auto-industry, insurance-trade, and privacy sources, cross-referenced: California's Attorney General's $12.75M settlement with GM (May 2026, over selling OnStar Smart Driver data to LexisNexis and Verisk); that as of March 2026 GM stopped that specific data-sharing pipeline; and that the broader industry practice (91% of new US cars have telematics, multiple manufacturers still share with brokers) continues.
• LexisNexis's own consumer disclosure process (free report request under federal law) verified directly against LexisNexis's own site (consumer.risk.lexisnexis.com).
• A plain-language, personal-stakes topic — a deliberate exception to this channel's usual demand-report-driven topic selection, made explicitly per the 16.9.2026 reach-first content decision (see channel/content-memory.md), same reasoning as episodes 36-39.

What it will not do

• Exact app menu wording and location vary by car manufacturer and model year — this guide describes what to look for, not a guaranteed identical screen for every viewer.
• The GM-to-LexisNexis/Verisk pipeline specifically was already shut down by GM as of March 2026 — this guide is about the ongoing, broader industry practice at other manufacturers, and about your standing right to check your own file regardless of which company held it.
• Verisk's current, active involvement in collecting driving data is unclear in available sources — this guide treats LexisNexis as the primary, confirmed contact for a consumer disclosure request.