I completed the right track app a couple days before I was having surgery. Now surgery is in 5 hours and I receive an email saying they were sorry I did not complete the app and would not receive the discount for safe driving, my 1st payment has not even posted and I'm already having problems!!!! Not happy at all!!! So I have to call them before I go in for surgery after I spent a couple hours preparing w them the other day thinking everything was taken care of!!