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They obviously have data for their predictive modelling, and so the question is how realistic was it. The obvious problem was that people will try to drive safer in the first two weeks if their is a reward, so they must have offered some sort of reward for good driving in the first two weeks. It would be interesting to know whether they recorded after the two weeks to see how much peoples driving habits changed once there was no incentive. Provide that the change is linear then it doesn't matter.

Lastly it is possible that it is based more on whether people own a smart phone and where they drive, and it is just dressed up as for safer drivers as a marketing ploy.

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