The study team are proposing to conduct a randomized controlled trial to determine the effectiveness of focused feedback vs standard feedback and self-chosen vs assigned goals on driving behaviors targeted by behavior-based insurance apps: hard braking, fast acceleration, handheld phone use, and speeding. The interventions arms will receive feedback on their driving behaviors, tips for safe driving, and a UBI-like financial incentive. The Penn research team will use Meta advertisements to recruit for the study and determine eligibility via an online survey. Those who enroll will undergo a 6-week run-in period during which their driving trips will be monitored by a mobile app. Individuals with a sufficient number of trips during this period will be randomly assigned to one of four arms for the intervention period. Target enrollment is 1,300 participants (325 per trial arm). The power analysis assumed an attrition rate of 20% over the course of the study.
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Overall Driving Score
Timeframe: 12 weeks of the intervention period + separate analysis of 6 week post intervention.