Monitoring system for determining and communicating a cost of insurance

CAFC
  • US 8,090,598 B2
  • Filed: 01/23/2004
  • Issued: 01/03/2012
  • Est. Priority Date: 01/29/1996
  • Status: Expired due to Fees
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First Claim
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1. A risk management system comprising:

  • a server receiver configured to wirelessly receive selected onboard vehicle data monitored by an in-vehicle data monitoring device within a vehicle;

    a network server system coupled to the server receiver that provides an interface having functionality configured to establish relationships between the selected onboard vehicle data and levels of risk in a usage based insurance system;

    a database that stores relationship data indicating the relationships established between the selected onboard vehicle data relating to one or more users and an insured'"'"'s monitored vehicle data, where the relationship data identifies, for an insured or other selected users, relationships between relative levels of risk and the selected onboard vehicle data; and

    an interface module configured to search the database for a risk assessment of vehicle data, where the interface module is responsive to a request from a database user by using the relationship data and the selected onboard vehicle data to identify the level of risk;

    where the interface module is further configured to be responsive to a request to quantify driver behavior by processing the selected onboard vehicle data to render a driver safety score, where the driver safety score is characterized as a level of risk associated with insuring a selected operator or a vehicle.

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