Calculation of driver score based on vehicle operation for forward looking insurance premiums

  • US 20070027726A1
  • Filed: 04/21/2006
  • Published: 02/01/2007
  • Est. Priority Date: 09/08/2004
  • Status: Abandoned Application
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First Claim
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1. A method of determining a cost of automobile insurance in a predictive manner based upon monitoring, recording and communicating data representative of operator and vehicle driving characteristics, the method comprising:

  • monitoring the activity of the vehicle for a first period of time;

    calculating a driver score based at least in part on the vehicle activity during the first period of time; and

    applying the driver score to determine the future terms of an insurance policy for the insured vehicle.

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