We investigate the link between smartphone usage by drivers and increases in insurance premiums by using police accident reports and exploiting the introduction of the augmented reality game Pokemon GO as a natural experiment. We document a disproportionate increase in crashes, vehicular damage, injuries, and fatalities in the vicinity of locations where users can play the game while driving. Ignoring incremental lives lost, the lower bound estimate of the cost of users playing the game while driving translates to an increase in insurance premiums of 2.47 percent.

中文翻译：

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Pokémon GO 致死：驾驶时使用应用程序的经济和人力成本

我们通过使用警察事故报告并利用增强现实游戏 Pokemon GO 作为自然实验来调查司机使用智能手机与保险费增加之间的联系。我们记录了在用户可以边开车边玩游戏的地点附近的碰撞、车辆损坏、伤害和死亡人数不成比例地增加。忽略增加的生命损失，用户边开车边玩游戏的成本的下限估计转化为 2.47% 的保险费增加。