The American Property Casualty Insurance Association (APCIA) has expressed strong support for the Data Rights for Information and Vehicle Electronics in Real-Time (DRIVER) Act, introduced by Rep. Diana Harshbarger (R-TN).
The legislation is designed to ensure that vehicle owners have clear rights to access and control the data generated by their vehicles, from telematics and engine diagnostics to usage-based and safety information.
Under the DRIVER Act, automakers would be required to provide consumers with unimpeded access to their vehicle data and maintain transparent policies around collection, storage, and sharing. The bill aims to prevent unauthorized use of vehicle data, including potential misuse by third parties or foreign entities, while promoting fair competition among insurers, technology providers, and automotive companies.
Sam Whitfield, APCIA’s senior vice president of federal government relations and political engagement, said the DRIVER Act strengthens privacy protections, modernizes data ownership standards, and safeguards consumers’ interests. He emphasized that the legislation is critical for insurers, as access to accurate vehicle data under clear ownership rules supports risk assessment, underwriting, and claims processing while maintaining compliance with privacy and cybersecurity standards. Whitfield called on Congress to advance the bill swiftly, noting its importance in balancing innovation with consumer protection.
Vehicle data is increasingly central to insurance operations. Many insurers use telematics devices or connected car data to offer usage-based insurance (UBI), monitor driving behaviors, and incentivize safer habits through premium discounts.
Data also supports rapid claims verification after accidents, improving customer experience and reducing fraud. The DRIVER Act would ensure that consumers control this data while allowing insurers to access it lawfully, creating clearer guidelines for program design and competitive pricing.
APCIA, the primary national trade association for home, auto, and business insurers, represents companies of all sizes across the US. Its members provide coverage for families, businesses, and communities while advocating for private competition and consumer protections.
Whitfield said supporting the DRIVER Act aligns with APCIA’s mission to promote secure, transparent, and fair data practices across the insurance industry, helping insurers leverage technology while safeguarding consumer privacy.
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