If you read the lawsuits and allegations carefully, they all say that they were tricked into opting in (NOT that they weren't opted in). If you review the setup process you see that the claim is outlandish and likely someone else did setup for them or they "forgot."
Toyota makes you affirmatively click a "yes" or "no" (or maybe it says "Accept" / "Reject" or whatever) for Insurance sharing when setting up a profile.
Which is kind of ironic when you think about how much of their target demographic is driving 1999 Ford Rangers and 2003 Chevy Savannas.
Obviously they'll just augment it with ALPR, but still.
* My Subaru runs ads for Sirius XM. (Ad, on the infotainment screen. While the car's in motion.) I did not pay for my car to run ads, obviously, and obviously that was never mentioned by the dealer, ever, before or after purchase.