

They do disclose it, it’s part of the paperwork when you purchase the vehicle.
https://support.toyota.com/s/article/Toyota-Insurance?language=en_US
Of course the dealers make it very easy to “opt-in” by accident.
The fact that it’s out in the open, literally on the car manufacturer sites, but people still deny this behavior, is a grim omen.
Also Sony buying Nixxes… then deciding they don’t want to do PC ports anymore. These companies are clueless.