EB you are right, and it is started. My auto ins co is State Farm... we stayed because we've used the agent for about 25 years and we have a relationship that helps. When I picked up my SHO in Sept I called to put it on and as the secretary was trying to get me discounts she asked if I had Sync/MFT... I told her yes, they gave me a discount for it. BUT....
I got an email from State Farm demanding that I run a vehicle health report about 3 days later. I did run it because they would take away the discount if I didn't. I was also advised that my ins premium "might change" if my mileage was more or less than the 12K/yr estimate I gave them. With nav, phone, GPS, cell triangulation, and the info gathering that goes into the black box scary potential exists.
Clearly State Farm has access to the vehicle health report and who knows what else in the on-board computer. I have complained formally to Ford... like it would do any good. As I said in another post, "Yes Virginia, there is a big brother."