I think the adoption of DD apps is complicated. D

I think the adoption of DD apps is complicated. Does the Ins Co "force" it on their customers? Force it on their high liability customers - or, just raise their rates? If voluntary, what are the terms? If a discount is provided, what are the terms? What discount makes sense? What level of discount will stimulate adoption by customers? What happens if discount is given and the customer doesn't use the app? What happens if there is an accident due to DD due to cell phone usage? What level of claims/liabilities reduction is necessary to offset the discount provided AND provide a net income benefit? What "take rate" is needed to make it a good business decision? I worked the corporate world for many years and there are countless "what ifs" to consider!! This will take time unless a Sr Mgt type just decides they are going to sign a deal for robust DD apps.

And, all of this discussion is just for the initial phase. What are your targets to consider moving on to phase 2 or additional phases for adoption? My guess is that market managers and product managers and financial managers are trying to hash out all of the variables. I can see it taking some time.

One thing that makes this business decision different - and, far more complex - than a "normal" business decision is that this venture could/would/should SAVE LIVES.