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this post was submitted on 07 Jul 2026
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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.