Comparative Effectiveness of Financial Incentives and Nudges to Reduce Cellphone Use While Driving Among UBI Auto Policy Holders
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ClinicalTrials.gov Identifier: NCT03833219 |
Recruitment Status :
Completed
First Posted : February 6, 2019
Last Update Posted : September 10, 2020
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Condition or disease | Intervention/treatment | Phase |
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Automobile Accident | Behavioral: Weekly feedback Behavioral: End of intervention period incentive Behavioral: Loss-framed weekly incentive | Not Applicable |
Study Type : | Interventional (Clinical Trial) |
Actual Enrollment : | 2108 participants |
Allocation: | Randomized |
Intervention Model: | Factorial Assignment |
Masking: | Single (Participant) |
Primary Purpose: | Prevention |
Official Title: | Comparative Effectiveness of Financial Incentives and Smartphone-based Nudges to Reduce Cellphone Use While Driving Among Auto Insurance Policy Holders With Usage Based Insurance Policies |
Actual Study Start Date : | May 7, 2019 |
Actual Primary Completion Date : | October 30, 2019 |
Actual Study Completion Date : | August 30, 2020 |
Arm | Intervention/treatment |
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No Intervention: Control (monitor only)
Continue in monitoring only mode
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Experimental: Social comparison feedback
Report user's handheld phone use/ hour of driving for week. Compare this week's performance to distribution for driver cohort.
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Behavioral: Weekly feedback
Send push notification reporting user's handheld phone use while driving compared to distribution for driver cohort (age, geographic area) each week. |
Experimental: End of rating period incentive
Monitor throughout intervention period and compare overall use to distribution for cohort. Notify participant at end of intervention period regarding the amount they have earned.
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Behavioral: End of intervention period incentive
Notify participant about potential incentive at the end of the intervention period, but do not provide weekly feedback about performance. |
Experimental: End of rating period incentive + social comparison feedback
Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant at end of intervention period regarding the amount they have earned.
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Behavioral: Weekly feedback
Send push notification reporting user's handheld phone use while driving compared to distribution for driver cohort (age, geographic area) each week. Behavioral: End of intervention period incentive Notify participant about potential incentive at the end of the intervention period, but do not provide weekly feedback about performance. |
Experimental: Weekly loss-framed incentive + social comparison feedback
Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant weekly regarding the amount they have earned.
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Behavioral: Weekly feedback
Send push notification reporting user's handheld phone use while driving compared to distribution for driver cohort (age, geographic area) each week. Behavioral: Loss-framed weekly incentive Send push notification reporting user's handheld phone use while driving compared to distribution for driver cohort (age, geographic area) each week. Pay participant weekly according to where they fall on the distribution each week. |
Experimental: Larger weekly loss-framed incentive+social comparison feedback
Monitor throughout intervention period and compare weekly phone use to driver cohort distribution. Send weekly push notification to provide feedback. Notify participant weekly regarding the amount they have earned. Incentive amount is higher than "Weekly loss-framed incentive + social comparison feedback" Arm.
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Behavioral: Weekly feedback
Send push notification reporting user's handheld phone use while driving compared to distribution for driver cohort (age, geographic area) each week. Behavioral: Loss-framed weekly incentive Send push notification reporting user's handheld phone use while driving compared to distribution for driver cohort (age, geographic area) each week. Pay participant weekly according to where they fall on the distribution each week. |
- Seconds of active phone use per hour of driving [ Time Frame: 150 days ]Percentage of driving time engaging in active handheld phone use (also measured as seconds of distracted driving/hour of driving)
- Seconds of passive phone use per hour of driving [ Time Frame: 150 days ]Seconds of passive handheld, non-call use per hour of driving
- Hard breaking events per 100 miles [ Time Frame: 150 days ]notifications turned off, drop out of study, app uninstall
- Hard acceleration events per 100 miles [ Time Frame: 150 days ]Hard acceleration events per 100 miles

Choosing to participate in a study is an important personal decision. Talk with your doctor and family members or friends about deciding to join a study. To learn more about this study, you or your doctor may contact the study research staff using the contacts provided below. For general information, Learn About Clinical Studies.
Ages Eligible for Study: | 16 Years and older (Child, Adult, Older Adult) |
Sexes Eligible for Study: | All |
Accepts Healthy Volunteers: | Yes |
Inclusion Criteria:
- Progressive Snapshot Users with policy activated within recruitment period
- Progressive Snapshot policy holder in one of the following states and regions: MI, PA, TX, FL, TN, OR, GA, NE, OK, OH, MT, MO, NV, CT, WI, MD, KY, MN, NH, NJ, AZ, ME, LA, SC, CO, MS, IN, IA, AL, ND, UT, RI, WV, WY, IL, AR, DE, KS, SD, NM, VT, ID, and the District of Columbia
- Has an email address
Exclusion Criteria:
- Progressive Snapshot Mobile App not updated to enable push notifications
- Customer's residential address is in a state in which phone use while driving is factored into insurance rating
- Customer's Snapshot Mobile App does not collect trip data with all sensors active
- Customer in Snapshot program for < 30 days or more > 70 days

To learn more about this study, you or your doctor may contact the study research staff using the contact information provided by the sponsor.
Please refer to this study by its ClinicalTrials.gov identifier (NCT number): NCT03833219
United States, Pennsylvania | |
University of Pennsylvania | |
Philadelphia, Pennsylvania, United States, 19104 |
Principal Investigator: | M. Kit Delgado, MD, MS | University of Pennsylvania |
Documents provided by University of Pennsylvania:
Publications:
Responsible Party: | University of Pennsylvania |
ClinicalTrials.gov Identifier: | NCT03833219 |
Other Study ID Numbers: |
693JJ31750012 |
First Posted: | February 6, 2019 Key Record Dates |
Last Update Posted: | September 10, 2020 |
Last Verified: | September 2020 |
Individual Participant Data (IPD) Sharing Statement: | |
Plan to Share IPD: | No |
Plan Description: | PI will not own individual participant data |
Studies a U.S. FDA-regulated Drug Product: | No |
Studies a U.S. FDA-regulated Device Product: | No |
distracted driving automobile behavioral economics usage-based insurance |
auto insurance automobile smartphone application |