The smartphone and related applications have changed society, yet evolving technology often finds the law and insurance playing catch-up. Apps and their behind-the-scenes use of GPS, Bluetooth, and audio beacons make the phones seem "smarter," but they have generated privacy issues regarding their collection of information. In response, a number of lawsuits have been filed seeking to address the apparent insufficient or total non-disclosure about apps and their data collection. The evolution of lawsuits against companies and their technology partners have not only led to potential liability, but also created questions pertaining to insurance coverage for such allegations.
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