This is a completely misleading headline. The headline should be: "Insurers know how often Americans who voluntarily choose to carry spy-phones ("smart phones

This is a completely misleading headline. The headline should be: "Insurers know how often Americans who voluntarily choose to carry spy-phones ("smart phones") are to look at their spy-phones while driving". What's worse is that many people in the comment section of this article seem to be surprised that they are being tracked by the tracking devices they choose to carry.