"Great" thing about consolidated megacorporation dominated markets: you have nowhere to go if only three companies decide to squeeze more money out of you. And shareholders WILL demand that every car manufacturer squeezes more money out of you by locking equipment you own now behind subscriptions.
It sounds like you missed last 15 years of developing DRM technology and IP law.
If I own the car outright, I own the computer and can do whatever I want to it. Seems like you missed all the DRM hacks, and think vehicle insurance companies do IP law.
Driving habits and all the data tracking that will be standard in a few years will absolutely be critical to your insurance company, and it stands to reason that they would use any semblance of hacking any part of your car and thus risking the purity of the data (nomatter how unrelated) as a pretense to deny coverage.