Privacy advocates are concerned that “pay how you drive” programs used by insurance companies to record an insured’s driving habits can be used to infer drivers’ destinations. University of Denver computer scientists found that with access to information, such as driving speed and distance traveled, an algorithm allowed them to place the actual destination within three projected destinations in 18 out of 30 trips. Many auto insurance companies offer discounts to policyholders who enroll in “pay how you drive” programs, which utilize driving data to calculate customized rates. Claims Journal (September 16, 2013).

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