Modern cars are computers on wheels - they have more sensors than you can count and are constantly phoning home with telemetry data like your location, speed, fuel levels, sudden accelerations/decelerations, video footage, driver attention data from eye monitoring systems, and hundreds of other data points. Cars have inward- and outward-facing cameras. They have microphones. They have always-on modems. It’s all enabled by default with difficult or meaningless opt-outs, and your data is monetized through brokers like LexisNexis or Verisk.