Usage-based insurance, where premiums are based on personal driving habits, can lead to safer driving if drivers are aware of being monitored. However, if drivers are unaware of this monitoring, it may not influence safer driving behavior. The collection of user data without their knowledge to increase insurance rates may constitute deceptive business practices falling under the FTC's jurisdiction. The automotive industry faces challenges regarding data privacy, as seen in cases where car companies collect sensitive data without clear explanations. This highlights the growing importance of data and consumer privacy in an interconnected world, especially in the automotive sector.