A new Insurance Institute for Highway Safety study compared smartphone telematics with police reports for almost 17,000 crashes in Connecticut, Illinois, Ohio, and Texas. After excluding passive screen activity such as an untouched navigation display, the data still show a huge gap: phones detected active use before crashes far more often than police documented it.
Yeah that’s always been a hard pass for me. Insurance companies will always bend facts to suit them not having to pay out. It’s the same with police in deciding to arrest or charge you with something. They will bend facts to suit the outcome they want. Why give them extra information to use against you?