You guys really have to make up your mind. One day, the products don't exist. The next day, they exist, but the "teenagers" will turn them off. On other days, you guys cite "free apps" that are better than ONCI apps, but, admit that a swipe turns off the free apps. Do you really think employees will turn off apps if their jobs AND insurance depend on them using the apps? Do you really think teenagers will risk losing their car AND their Insurance if they don't use the apps that their parents AND Insurance companies signed a contract to use? Well, OK, maybe some will. The bigger Market will be Employers.
Most teenagers use seat belts. Not all....but, most. And, their parents don't get a report or really know whether they use belts or not.
If Insurance companies spend $Millions by investing in DD APPs in order to save tens/hundreds of $Millions in claims/liabilities they will want assurances that the products are used.
This could be a tremendous WIN/WIN for Insurance companies and I think they will sign with someone SOON if they find a product that meets their needs and increases their bottom lines. And, the PR value of saving lives could be priceless.