“””If you turn it off and it doesn’t warn you does it still get sent to the insurance company?”””
I am not a tech expert whatsoever, but I do know that if a computer can collect the data, it can store the data, and later report the data.
Turning off the warning signals may not stop the car’s computer from collecting, storing, and reporting the data.
Only if there is a way to hook up to internet.
The money is going to be in designing systems totally disconnected.