{"id":2546,"date":"2026-03-06T13:11:49","date_gmt":"2026-03-06T13:11:49","guid":{"rendered":"https:\/\/dev.newlinkmind.com\/?p=2546"},"modified":"2026-03-06T16:24:37","modified_gmt":"2026-03-06T16:24:37","slug":"how-your-cars-privacy-settings-are-jacking-up-your-auto-insurance-rates","status":"publish","type":"post","link":"https:\/\/newlinkmind.com\/zh\/how-your-cars-privacy-settings-are-jacking-up-your-auto-insurance-rates\/","title":{"rendered":"\u6c7d\u8eca\u96b1\u79c1\u8a2d\u5b9a\u5982\u4f55\u63a8\u9ad8\u60a8\u7684\u6c7d\u8eca\u4fdd\u96aa\u8cbb\u7387"},"content":{"rendered":"<p class=\"wp-block-paragraph\">\u5230 2026 \u5e74\uff0c\u73fe\u4ee3\u6c7d\u8eca\u4e0d\u518d\u53ea\u662f\u4ea4\u901a\u5de5\u5177\uff1b;<\/p>\n\n\n\n<p 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class=\"wp-block-paragraph\">\u5982\u679c\u60a8\u64d4\u5fc3\u60a8\u7684\u8eca\u8f1b\u6703\u5c07\u60a8\u7684\u500b\u4eba\u751f\u6d3b\u8cc7\u8a0a\u6d29\u9732\u7d66\u7b2c\u4e09\u65b9\uff0c\u9019\u88e1\u6709\u4e00\u4efd\u6307\u5357\uff0c\u6559\u60a8\u5982\u4f55\u91cd\u65b0\u7372\u5f97\u96b1\u79c1\u3002.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u95dc\u9375\u6240\u5728\uff1a\u70ba\u4ec0\u9ebc\u4f60\u7684\u8eca\u6703\u300c\u76e3\u8996\u300d\u4f60<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_927b090a9163451b-945\">\u6c7d\u8eca\u88fd\u9020\u5546\u8d8a\u4f86\u8d8a\u5c07\u8eca\u8f1b\u7522\u751f\u7684\u6578\u64da\u8996\u70ba\u4e00\u7a2e\u9ad8\u50f9\u503c\u5546\u54c1\u3002.<sup><\/sup> \u9019\u4e9b\u8cc7\u8a0a\uff08\u7279\u5225\u662f\u60a8\u7684\u99d5\u99db\u884c\u70ba\uff0c\u5982\u6025\u715e\u8eca\u3001\u5feb\u901f\u52a0\u901f\u548c\u591c\u9593\u99d5\u99db\uff09\u901a\u5e38\u6703\u8207 LexisNexis \u548c Verisk \u7b49\u6d88\u8cbb\u8005\u5831\u544a\u6a5f\u69cb\u5171\u7528\u3002.<sup><\/sup><\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_927b090a9163451b-946\">\u4fdd\u96aa\u516c\u53f8\u96a8\u5f8c\u6703\u5229\u7528\u9019\u4e9b\u5831\u544a\u4f86\u63d0\u9ad8\u4fdd\u8cbb\uff0c\u751a\u81f3\u5b8c\u5168\u62d2\u7d55\u627f\u4fdd\u3002\u4e8b\u5be6\u4e0a\uff0c\u8fd1\u671f\u806f\u90a6\u653f\u5e9c\u7684\u884c\u52d5\uff0c\u4f8b\u5982\u806f\u90a6\u8cbf\u6613\u59d4\u54e1\u6703\u8207\u901a\u7528\u6c7d\u8eca\u516c\u53f8\u9054\u6210\u76842025\u5e74\u548c\u89e3\u5354\u8b70\uff0c\u5df2\u7d93\u51f8\u986f\u4e86\u79d8\u5bc6\u8cc7\u6599\u5171\u4eab\u5982\u4f55\u5c0d\u99d5\u99db\u54e1\u9020\u6210\u4e0d\u516c\u5e73\u7684\u61f2\u7f70\u3002.<sup><\/sup><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">\u7b2c\u4e00\u6b65\uff1a\u5be9\u6838\u60a8\u7684\u6578\u4f4d\u8db3\u8de1<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5728\u958b\u59cb\u505c\u7528\u67d0\u4e9b\u529f\u80fd\u4e4b\u524d\uff0c\u4f60\u9700\u8981\u4e86\u89e3\u696d\u754c\u5c0d\u4f60\u5df2\u6709\u7684\u4e86\u89e3\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u7d22\u53d6\u60a8\u7684\u6d88\u8cbb\u8005\u8cc7\u8a0a\u63ed\u9732\u5831\u544a\uff1a<\/strong> \u6839\u64da\u300a\u516c\u5e73\u4fe1\u7528\u5831\u544a\u6cd5\u300b\uff0c\u60a8\u53ef\u4ee5\u5411[\u6b64\u8655\u61c9\u586b\u5beb\u4f86\u6e90\u540d\u7a31]\u7d22\u53d6\u4e00\u4efd\u514d\u8cbb\u4fe1\u7528\u5831\u544a\u3002 <strong>LexisNexis\u98a8\u96aa\u89e3\u6c7a\u65b9\u6848<\/strong> \u548c <strong>\u7dad\u91cc\u65af\u514b<\/strong> \u67e5\u770b\u8207\u60a8\u7684\u8eab\u5206\u95dc\u806f\u7684\u99d5\u99db\u8cc7\u6599\u3002.<\/li>\n\n\n\n<li><strong>\u67e5\u770b\u61c9\u7528\u7a0b\u5f0f\uff1a<\/strong> \u5927\u591a\u6578\u73fe\u4ee3\u54c1\u724c\uff08\u8c50\u7530\u3001\u798f\u7279\u7b49\uff09\u90fd\u5728\u5176\u884c\u52d5\u61c9\u7528\u7a0b\u5f0f\u4e2d\u8a2d\u6709\u201c\u8cc7\u6599\u96b1\u79c1\u5165\u53e3\u7db2\u7ad9\u201d\uff0c\u60a8\u53ef\u4ee5\u5728\u5176\u4e2d\u67e5\u770b\u60a8\u7684\u8eca\u8f1b\u76ee\u524d\u6b63\u5728\u50b3\u8f38\u54ea\u4e9b\u8cc7\u6599\u3002.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6b65\u9a5f\u4e8c\uff1a\u8edf\u9ad4\u9078\u64c7\u9000\u51fa\uff08\u300c\u7c21\u55ae\u300d\u65b9\u6cd5\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5927\u591a\u6578\u88fd\u9020\u5546\u5141\u8a31\u60a8\u505c\u7528\u900f\u904e\u8eca\u8f09\u8cc7\u8a0a\u5a1b\u6a02\u7cfb\u7d71\u9032\u884c\u8cc7\u6599\u5171\u4eab\uff0c\u4f46\u9019\u6a23\u505a\u901a\u5e38\u6703\u505c\u7528\u9060\u7aef\u555f\u52d5\u6216\u9053\u8def\u6551\u63f4\u7b49\u300c\u9023\u7db2\u670d\u52d9\u300d\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>\u798f\u7279\uff08SYNC 4\/4A\uff09\uff1a<\/strong> \u5c0e\u822a\u81f3 <strong>\u8a2d\u5b9a &gt; \u9023\u7dda &gt; \u9023\u7db2\u8eca\u8f1b\u529f\u80fd<\/strong> \u548c\u5207\u63db <strong>\u5171\u4eab\u8eca\u8f1b\u6578\u64da<\/strong> \u8a2d\u5b9a\u70ba\u201c\u95dc\u9589\u201d\u3002.<\/li>\n\n\n\n<li><strong>\u8c50\u7530\u548c\u96f7\u514b\u85a9\u65af\uff1a<\/strong> \u901a\u5e38\u53ef\u4ee5\u900f\u904e\u6309\u4e0b\u6309\u9215\u4f86\u505c\u7528\u8cc7\u6599\u50b3\u8f38\u3002 <strong>SOS\u6309\u9215<\/strong> \u5728\u8eca\u9802\u63a7\u5236\u53f0\u4e2d\uff0c\u544a\u77e5\u5ba2\u670d\u4eba\u54e1\u60a8\u5e0c\u671b\u9000\u51fa\u6240\u6709\u9023\u7db2\u670d\u52d9\u3002\u6216\u8005\uff0c\u60a8\u4e5f\u53ef\u4ee5\u4f7f\u7528\u8c50\u7530\u61c9\u7528\u7a0b\u5f0f\u4e2d\u7684\u300c\u8cc7\u6599\u96b1\u79c1\u5165\u53e3\u7db2\u7ad9\u300d\u62d2\u7d55\u300c\u4e3b\u8cc7\u6599\u5354\u5b9a\u300d\u3002.<\/li>\n\n\n\n<li><strong>\u7279\u65af\u62c9\uff1a<\/strong> \u5728\u89f8\u63a7\u87a2\u5e55\u4e0a\uff0c\u524d\u5f80 <strong>\u8edf\u9ad4 &gt; \u6578\u64da\u5171\u4eab<\/strong>. \u60a8\u53ef\u4ee5\u5728\u6b64\u8655\u505c\u7528\u81ea\u52d5\u99d5\u99db\u5206\u6790\u548c\u8def\u6bb5\u8cc7\u6599\u3002.<\/li>\n\n\n\n<li><strong>\u901a\u7528\u6c7d\u8eca\uff08\u96ea\u4f5b\u862d\u3001\u51f1\u8fea\u62c9\u514b\u3001\u5225\u514b\uff09\uff1a<\/strong> \u60a8\u5fc5\u9808\u806f\u7d61 OnStar \u9867\u554f\u6216\u4f7f\u7528\u8eca\u8f1b\u7684\u96b1\u79c1\u8a2d\u5b9a\u4f86\u53d6\u6d88\u8a3b\u518a\u300c\u667a\u6167\u99d5\u99db\u54e1\u300d\u8a08\u5283\uff0c\u8a72\u8a08\u5283\u662f\u4fdd\u96aa\u8cc7\u6599\u7684\u4e3b\u8981\u4f86\u6e90\u3002.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u6b65\u9a5f 3\uff1a\u786c\u9ad4\u9632\u79a6\uff08\u300c\u5c08\u5bb6\u300d\u65b9\u6cd5\uff09<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u5982\u679c\u8edf\u9ad4\u958b\u95dc\u4e0d\u5920\u7528\uff0c\u60a8\u53ef\u80fd\u9700\u8981\u5c0b\u627e\u5be6\u9ad4\u8ffd\u8e64\u8a2d\u5099\u3002.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>OBD-II\u4ecb\u9762\uff1a<\/strong> \u9019\u662f\u4fdd\u96aa\u516c\u53f8\u6216\u8eca\u968a\u7ba1\u7406\u516c\u53f8\u5e38\u7528\u7684\u300c\u5373\u63d2\u5373\u7528\u300d\u8ffd\u8e64\u5668\u6700\u5e38\u898b\u7684\u5b89\u88dd\u4f4d\u7f6e\u3002\u8acb\u67e5\u770b\u99d5\u99db\u54e1\u5074\u5100\u8868\u677f\u4e0b\u65b9\uff1b\u5982\u679c\u6b64\u9023\u63a5\u57e0\u9023\u63a5\u4e86\u4efb\u4f55\u60a8\u4e0d\u8a8d\u8b58\u7684\u8a2d\u5099\uff0c\u8acb\u5c07\u5176\u62d4\u4e0b\u3002.<\/li>\n\n\n\n<li><strong>\u96b1\u85cf\u8ffd\u8e64\u5668\uff1a<\/strong> \u7528\u624b\u96fb\u7b52\u6aa2\u67e5\u8f2a\u62f1\u3001\u4fdd\u96aa\u687f\u5f8c\u9762\u548c\u5e95\u76e4\u4e0b\u65b9\u3002\u78c1\u6027GPS\u8ffd\u8e64\u5668\u7d93\u5e38\u88ab\u5b89\u88dd\u5728\u9019\u4e9b\u5730\u65b9\uff0c\u56e0\u70ba\u5b83\u5011\u5f88\u5bb9\u6613\u96b1\u85cf\u3002.<\/li>\n\n\n\n<li><strong>\u786c\u9023\u7dda\u6a21\u7d44\uff1a<\/strong> \u6709\u4e9b\u300c\u73fe\u8cb7\u73fe\u4ed8\u300d\u7684\u7d93\u92b7\u5546\u6703\u5728\u8eca\u8f1b\u4e0a\u5b89\u88ddGPS\u505c\u7528\u88dd\u7f6e\uff0c\u5982\u679c\u903e\u671f\u4ed8\u6b3e\uff0c\u88dd\u7f6e\u6703\u5207\u65b7\u8eca\u8f1b\u7684\u9ede\u706b\u7cfb\u7d71\u3002\u9019\u4e9b\u88dd\u7f6e\u901a\u5e38\u96b1\u85cf\u5728\u5100\u9336\u677f\u4e0b\u65b9\u6df1\u8655\uff0c\u4e26\u76f4\u63a5\u9023\u63a5\u5230\u9ede\u706b\u7cfb\u7d71\u3002\u505c\u7528\u9019\u4e9b\u88dd\u7f6e\u901a\u5e38\u9700\u8981\u5c08\u696d\u6280\u5e2b\u64cd\u4f5c\uff0c\u4ee5\u78ba\u4fdd\u4e0d\u6703\u640d\u58de\u8eca\u8f1b\u7684\u96fb\u6c23\u7cfb\u7d71\u3002.<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\">\u96b1\u79c1\u7684\u4ee3\u50f9<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">\u91cd\u8981\u7684\u662f\u8981\u660e\u767d\uff0c\u57282026\u5e74\uff0c\u96b1\u79c1\u662f\u4e00\u7a2e\u6b0a\u8861\u3002\u505c\u7528\u6c7d\u8eca\u6578\u64da\u6a5f\u6216\u8a31\u53ef\u4ee5\u963b\u6b62\u8cc7\u6599\u6d29\u9732\uff0c\u4f46\u4e5f\u6703\u963b\u6b62\u6c7d\u8eca\u63a5\u6536\u7a7a\u4e2d\u4e0b\u8f09\uff08OTA\uff09\u8edf\u9ad4\u66f4\u65b0\uff0c\u800c\u9019\u4e9b\u66f4\u65b0\u5c0d\u65bc\u4fee\u5fa9\u6f0f\u6d1e\u548c\u63d0\u5347\u5b89\u5168\u6027\u81f3\u95dc\u91cd\u8981\u3002.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\" id=\"p-rc_927b090a9163451b-947\">\u6b64\u5916\uff0c\u6709\u4e9b\u54c1\u724c\u6545\u610f\u8b93\u7528\u6236\u96e3\u4ee5\u9078\u64c7\u9000\u51fa\u8cc7\u6599\u5171\u4eab\u3002\u8c50\u7530\u7528\u6236\u53cd\u6620\uff0c\u62d2\u7d55\u8cc7\u6599\u5171\u4eab\u6703\u5c0e\u81f4\u87a2\u5e55\u4e0a\u6301\u7e8c\u51fa\u73fe\u6a58\u8272\u901a\u77e5\u3002\u7136\u800c\uff0c\u96a8\u8457\u4fc4\u52d2\u5ca1\u5dde\u3001\u99ac\u88e1\u862d\u5dde\u548c\u7dad\u5409\u5c3c\u4e9e\u5dde\u7b49\u5dde\u901a\u904e\u6cd5\u5f8b\u7981\u6b62\u51fa\u552e\u7cbe\u78ba\u5730\u7406\u4f4d\u7f6e\u6578\u64da\uff0c\u6cd5\u5f8b\u74b0\u5883\u6b63\u9010\u6f38\u8f49\u5411\u6709\u5229\u65bc\u6d88\u8cbb\u8005\u7684\u65b9\u5411\u3002.<sup><\/sup><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u4fdd\u8b77\u60a8\u7684\u6578\u64da\u9700\u8981\u7d50\u5408\u6578\u4f4d\u8b66\u89ba\u6027\u548c\u5076\u723e\u7684\u300c\u8072\u5b78\u6a5f\u68b0\u5b78\u300d\u2014\u2014\u6aa2\u67e5\u60a8\u81ea\u5df1\u7684\u786c\u4ef6\uff0c\u4ee5\u78ba\u4fdd\u60a8\u7684\u6c7d\u8eca\u70ba\u60a8\u5de5\u4f5c\uff0c\u800c\u4e0d\u662f\u70ba\u6578\u64da\u7d93\u7d00\u4eba\u5de5\u4f5c\u3002.<\/p>","protected":false},"excerpt":{"rendered":"<p>In 2026, the modern automobile is no longer just a machine for transport; it has evolved into a sophisticated &#8220;smartphone on wheels&#8221; that continuously monitors its environment and its occupants. While this connectivity offers convenience, it has turned vehicles into one of the most invasive data-collection tools in existence, capturing everything from biometric information and&hellip; <a class=\"read-more\" href=\"https:\/\/newlinkmind.com\/zh\/how-your-cars-privacy-settings-are-jacking-up-your-auto-insurance-rates\/\">Continuar lendo<\/a><\/p>","protected":false},"author":8,"featured_media":2579,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[19],"tags":[],"class_list":["post-2546","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-automotive"],"_links":{"self":[{"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/posts\/2546","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/comments?post=2546"}],"version-history":[{"count":1,"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/posts\/2546\/revisions"}],"predecessor-version":[{"id":2549,"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/posts\/2546\/revisions\/2549"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/media\/2579"}],"wp:attachment":[{"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/media?parent=2546"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/categories?post=2546"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/newlinkmind.com\/zh\/wp-json\/wp\/v2\/tags?post=2546"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}