Reindeer, not quite sure how this info works into your post, but I guess it may address some of the issues you brought up. Root Insurance is a start up company from just a few years ago. They are an all-digital insurer. They have grown incredibly fast and doing very well. They require all policy holders to use their driving behavior app. No app, no insurance. Root builds its own software and algorithms for monitoring drivers.

A more recent start-up, Noblr, also requires the use of their app; provided by TrueMotion Inc. Once again, no app no insurance. The folks who started the company used to work at Esurance.

Geico has been testing a usage and behavior app since May that is supposed to have some aspect regarding distracted driving. Apparently, this is a direction Warren Buffett did not want to go but finally gave into the idea.

I think Root and Noblr has started a concept where ONCI can capitalize. Having Geico making a more aggressive effort to address distracted driving adds another positive. As you’ve been saying for a long time, if insurance companies want to improve profits and decrease losses then they’re going to have to incorporate distracted driving and behavior app; and possibly make them mandatory.