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.


    Access

    Download


    Export, share and cite



    Title :

    Systems and methods of driving behavior assessment using telematics data


    Contributors:

    Publication date :

    2024-12-31


    Type of media :

    Patent


    Type of material :

    Electronic Resource


    Language :

    English


    Classification :

    IPC:    B60W CONJOINT CONTROL OF VEHICLE SUB-UNITS OF DIFFERENT TYPE OR DIFFERENT FUNCTION , Gemeinsame Steuerung oder Regelung von Fahrzeug-Unteraggregaten verschiedenen Typs oder verschiedener Funktion / G06Q Datenverarbeitungssysteme oder -verfahren, besonders angepasst an verwaltungstechnische, geschäftliche, finanzielle oder betriebswirtschaftliche Zwecke, sowie an geschäftsbezogene Überwachungs- oder Voraussagezwecke , DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES / G07C TIME OR ATTENDANCE REGISTERS , Zeit- oder Anwesenheitskontrollgeräte



    SYSTEMS AND METHODS OF DRIVING BEHAVIOR ASSESSMENT USING TELEMATICS DATA

    CLARK MELANIE | European Patent Office | 2025

    Free access

    SYSTEMS AND METHODS OF DRIVING BEHAVIOR ASSESSMENT USING TELEMATICS DATA

    CLARK MELANIE | European Patent Office | 2023

    Free access

    SYSTEMS AND METHODS OF DISPLAYING DRIVING DATA USING TELEMATICS DATA

    MOHNEN DANIEL BRIAN / JUDY MICHAEL AARON | European Patent Office | 2024

    Free access

    VEHICLE TELEMATICS BASED DRIVING ASSESSMENT

    FERGUSON DANA / SNYDER JARED S / CHOU ANNA YUM-WAI-SHAN et al. | European Patent Office | 2022

    Free access

    Vehicle Telematics Based Driving Assessment

    FERGUSON DANA / SNYDER JARED S / CHOU ANNA YUM-WAI-SHAN et al. | European Patent Office | 2018

    Free access