SYSTEMS AND METHODS OF DRIVING BEHAVIOR ASSESSMENT USING TELEMATICS DATA

Abstract: implementations claimed and described herein provide systems and methods for generating a driving behavior assessment using telematics data. the systems and methods use different types of telematics data generated via different data connections. vehicle behavior telematics data is generated using a first type of connection with a vehicle (e.g., using an onboard diagnostics (obd) device) and personal mobility telematics data is generated using a second type of connection via a mobile device associated with a vehicle operator. one or more driving attributes associated with the vehicle operator are determined by the system based on at least one of the vehicle behavior telematics data or the personal mobility telematics data. scoring factors are calculated based on the one or more driving attributes. furthermore, a policy level rate structure for an insurance policy can be generated based on the one or more scoring factors.

Inventor(s): Melanie Clark

CPC Classification: B60W40/09 (CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION; CONTROL SYSTEMS SPECIALLY ADAPTED FOR HYBRID VEHICLES; ROAD VEHICLE DRIVE CONTROL SYSTEMS FOR PURPOSES NOT RELATED TO THE CONTROL OF A PARTICULAR SUB-UNIT)

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