Be aware that if your auto insurance company wants you to install/activate any kind of "Accident Response" app on your phone, it's going to spy on you.
For example, the TOS in the Progressive app lets it record all telemetry from your phone while driving:
Once downloaded and registered, the App will run in the background and collect driving and phone sensor data (“Mobile Driving Data”), which will be uploaded to Progressive. Mobile Driving Data includes, but is not limited to, vehicle speed and location using GPS, time and date information, phone usage and settings, data from the phone’s sensors, your responses to contacts initiated through the Accident Response program, and any other information necessary to enable or support the Accident Response program.
Every sudden stop, every aggressive turn, every time you accelerate 'too hard' gets recorded and (one assumes) uploaded to their servers.
Why? So they can jack your rates or deny your claim or cancel your service if they don't like how you drive.
Encounter a really big pot hole? That looks like you're hitting an object or driving aggressively.
Slam on your brakes to avoid a brake-checking asshole? The app can't tell if you're doing that because you're a brake-checking asshole or not.
Maybe Progressive doesn't like how your GPS shows how often you visit the local weed dispensary or liquor store, or that you're exceeding the speed limit to get there before they close.
Theoretically it can even record your conversations and/or other ambient noises in your car while you drive. It doesn't say it WON'T and "data from your phone's sensors" certainly includes audio, right? So if Progressive decides through 'research' that listening to angry death metal while driving is risky, they could use that against you.
If you DO install the app (because really, it's super convenient to have your insurance agent in your pocket) be sure to revoke all its privileges, like access to sensor data.
And if the company complains or nags you about it, fuck 'em.
