Starboard, the facts are that nobody wants to put their phones down and nobody wants to make their customers put their phones down, yet. I don't think it has much to do with SB. Seat belts were installed in cars in 1968 models (I think). Yet, their use was not mandatory until 1984 (I think). Nobody could argue against the notion that seat belts saved lives. Nobody wanted to make people use them. Maybe the ins companies are hoping that car makers do it soon, so, that they will realize the benefit without being the one to make it happen.

What if an insurance company adopted DD apps and they gave discounts for using them, BUT, they lost customers to other ins companies? The negative demand response could easily add up to $millions of revenue lost. As I said the other day, I'm sure it is complicated. It's always hard to model a new product - especially when the demand is unknown.