Not a lawyer, but my understanding is that everywhere in North America is at least single party consent, and many places are all party consent for recording.
Ford can say that by buying a car I have agreed to the terms and conditions (although, I would argue that simply buying a product should be separate from terms and conditions), but my passengers haven't, and they certainly have an expectation that their conversations are private in my vehicle.
At a certain point, ad tech is going to run into an ambitious prosecutor or government attorney, and I can't wait.