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BTW there is a company the sells OBD locking covers for diag port to prevent unwanted tampering.

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Is that where the data recorder is? I was under the impression that it is positioned elsewhere in the vehicle so that it can easily be removed and "read" by big brother.

The case that comes to mind is from the late '90's and it was in regards to a Firebird/camaro that had the black-box hidden inside a door panel. The Owner was sueing someone for using the info against Him........

I agree with what Not-a-Charger is saying for the time being. But since our society keeps moving towards a "SOL, Buddy" model, eventually people can expect nothing out of an insurance company, kinda like "warranty" on a new vehicle.