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What Is TrueLane?
TrueLane is a voluntary program that gives drivers the opportunity to earn discounts for safe driving. The TrueLane app measures your driving and gives real-time feedback to help you drive safer. You’ll get up to 12% off select coverages just for participating. And you may earn up to 25% off your renewal policy for safe driving.
Note: The TrueLane discount can only be applied to one policy and the initial discount up to 12% is applied as of the effective date of your policy.
Note: The TrueLane discount can only be applied to one policy and the initial discount up to 12% is applied as of the effective date of your policy.
What happens if I stop using TrueLane?
This is a continuous program, so you’ll need to drive with the app enabled on your phone to continue participation. There’s no penalty for leaving TrueLane and you can opt out of the program at any time. Just remember that you’ll lose your insurance discount if you opt out.
Who can sign up for TrueLane?
To sign up for TrueLane, you must:
- Be a licensed driver listed on an auto policy with The Hartford.
- Install, use and update the app on your compatible smartphone. To work with the program, your phone will need sufficient cellular coverage, sensors that measure movement, permission services, and a data plan able to collect and transfer the data that TrueLane collects. Most current smartphones will be compatible, but some may not work.
- Agree to receive text messages on your phone about the TrueLane Program. https://www.thehartford.com/truelane2-texting-terms-conditions
- Have a valid and active email address and mobile phone number.
Do all drivers on my policy have to sign up?
No, however, more participating drivers on your policy could mean a bigger discount for you.
How do I get started with TrueLane?
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After adding TrueLane to your policy, each participant will receive a text message from The Hartford (1-323-772-5560). The message will contain a link to download the TrueLane app from the Apple App Store or Google Play Store, depending on their smartphone. If you are having trouble locating this text message, you will need to work with your cell phone carrier to make sure that text messages from 1-323-772-5560 are not being blocked.
- Accept the program Terms and Conditions, allow text messages, and enable location and mobile permissions.
- Start driving with TrueLane to begin the program and start saving! Don’t delay, otherwise you might lose your participation discount.
- Go back into the app to view your trips and confirm if you were not the driver. For more assistance, visit our Help page: https://www.thehartford.com/truelane2-app-help
Can I download the TrueLane app before my auto coverage starts?
Yes! You should download the app as soon as possible after enrolling in TrueLane online or on the phone. Don’t delay, otherwise you might lose your participation discount.
How do I get help with downloading the TrueLane App?
Which smartphones work with the TrueLane app?
- iPhone with Operating System (OS) 10.0, or higher.
- Most Android phones with OS 9.0, or higher.
- Android Galaxy A03, A10, and A12 are NOT Compatible.
- Motorola G pure is NOT Compatible
- Data plan with at least 40Mbs per month.
How do I check my smartphone OS?
- On your iPhone, go to “Settings,” click “General,” the click “About” to see your software version.
- On your Android go to “Settings,” click “About Phone,” then scroll down to Android version.
- Or type whatsmyos.com into your phone browser – your OS automatically pops up.
Does my smartphone need a data plan to run TrueLane?
Yes, you need a data plan with at least 40Mbs per month to upload your driving data and get driving feedback.
Does the app need to be on to collect data?
Yes. The app must be on, and you must be signed in. The app will be running in the background, so there’s nothing else you need to do. As long as you stay signed into the app, you don’t need to keep opening it when you drive – it will stay running in the background.
Does the app use my phone battery?
TrueLane uses about as much battery power as other driving navigation apps. Battery use varies based on phone model and year, and the app uses the most battery when using the GPS. If your phone has less than 10% battery charge, or you have your phone in battery-saving mode the app won’t record your driving. It’s always a good idea to fully charge your phone before a long trip and use a car phone charger while you’re driving.
How does TrueLane scoring work?
The TrueLane app collects data using sensors in your smartphone the same as most navigation apps. Then, it analyzes and scores the data based on the following criteria:
- Phone distractions: The phone is on, unlocked, and is being physically moved while the vehicle is in motion. Driving requires your full attention. Taking your eyes off the road for 5 seconds at 55 mph is like driving with your eyes closed for the length of a football field.
- Speeding: When you speed, you have less time to react to unexpected situations on the road. Speeding is calculated by comparing your speed to the posted speed limit, plus a buffer depending on the road.
- Acceleration and braking: GPS data is used to calculate sudden changes in speed. Accelerating and braking smoothly allows more time to react to your surroundings and reduces wear on your vehicle.
- Cornering: Sensor data is used to measure the speed and distance of changes in the vehicle’s direction to understand if corners were taken safely. Taking a corner too fast may cause loss of control of the vehicle and could shorten the life of your tires.
- Road type: Percentage of time spent driving on primary, secondary, and rural roads is also factored in with the above criteria.
Your score can change over time based on your driving habits. Don’t worry about one-time incidents impacting your score, safe driving consistency is more important. Log in to the TrueLane app to get your current score, review/edit recent trips, and receive personalized tips to improve your score. You can also find information about your discount in the app.
How does TrueLane know whether I’m a driver or passenger?
Over time, TrueLane learns your personal driving habits, and uses this data and the sensors in your phone to automatically tell if you were driving or riding. You can also check the app – if it says you were the driver, but you weren’t driving, you have 14 days to change the trip driver assignment.
What if I drive another car?
No problem! TrueLane is connected to your phone not your car. It measures your personal driving habits, so you’ll get credit, even if you drive another car.
What if I’m not traveling by car?
If you’re not in a car, the app will know using your phone sensors and GPS information. It won’t count as a trip.
If the app classifies your trip incorrectly, you can edit the classification within 14 days.
How does TrueLane detect phone use while driving?
TrueLane uses car movement, phone movement and screen activation during a trip to measure phone use while driving. If TrueLane senses that your phone is being moved around and your screen is unlocked and on while you are in motion, the app will record it as phone use while driving. Phone use while driving lowers your overall safe-driving score.
Does The Hartford share my data?
Your personal information and individually collected data is confidential and will only be shared with third parties when we need in order to provide the TrueLane service. For example, The Hartford will share data collected from the app with our subsidiaries or affiliated companies and service providers (such as Cambridge Mobile Telematics) who assist us in managing the program and in processing and analyzing the collected data. We use the data collected from the app to determine a personalized rate and renewal premium under the TrueLane program. For more information about The Hartford’s privacy policy, visit: https://www.thehartford.com/online-privacy-policy
Who do I contact if I still have questions about the program or what is happening with the app?
If you don’t find the answer you’re looking for in our Frequently Asked Questions (FAQs), please call us at 1-800-300-6449 or email: TrueLaneHelp@thehartford.com
Last Updated: January 2025