A study by a handful of university professors in Colorado claims user-based insurance programs installed in millions of vehicles can collect data that shows where drivers are going, unbeknownst to most users of the technology.

Executive Summary

Armed with data from a user-based insurance devices and a "simple algorithm," professors from the University of Denver were able to map out possible trips indicated by traffic stops, turns and driving speeds.

Professors from the University of Denver took 30 unique automobile trips around the Denver area. Some trips started at an office and ended at home, some were from a home to the grocery store, other trips were to drop off kids at school and others were social visits.

Using a device similar to what many insurance carriers offer, the professors tracked the driver’s speed and distance, then compiled the numbers and used basic maps to come up with what they called a “simple algorithm” that told them with a high degree of accuracy where the driver was going.

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