I downloaded to get a discount and instead, they raised my rates. They count phone use whenever the car is on. Even if you are parked, not moving, it counts against you. What do you want me to do, turn off my car and sit in the cold?! Also, is very sensitive and registers "hard brakes" when not really hard. Then it will over count and show 3 instances when there is only 1 on the map. Trash and I am paying extra now as a result.