Insurance User Based Insurance (UBI) users will be invited to participate in a randomized control trial where they will be randomized into 1 of 4 arms: (Arm 1) standard UBI, (Arm 2) Standard UBI + Free phone mounts (Arm 3) Commitment + Habit Tips, (Arm 4) Gamification + Social Competition,(Arm 5) Contest Financial Incentives. Each successive arm will experience all of the elements that the lower-numbered arms will.
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AI-rewrites the medical criteria so a patient or caregiver can understand them. Always confirm with the trial site.
Seconds of active handheld phone use per hour of driving, using smartphone hardware sensors collected via Snapshot telematics app installed on phone
Timeframe: 120 days