Abstract: Apparatus and methods are disclosed for identifying a vehicle using data collected by a personal electronic device residing in the vehicle during its operation. By enabling the vehicle to be identified using data collected by the personal electronic device, embodiments of the invention may allow other information captured by the personal electronic device relating to the user's operation of the vehicle to be associated with the vehicle.

Abstract: Apparatus and methods are disclosed for identifying a vehicle using data collected by a personal electronic device residing in the vehicle during its operation. By enabling the vehicle to be identified using data collected by the personal electronic device, embodiments of the invention may allow other information captured by the personal electronic device relating to the user's operation of the vehicle to be associated with the vehicle.

Abstract: A system for determining an orientation of a mobile device with respect to a vehicle. The system comprises at least one computer processor programmed to: receive local motion information regarding the mobile device; receive global displacement information regarding the mobile device; and based on the local motion information regarding the mobile device and the global displacement information regarding the mobile device, determine the orientation of the mobile device with respect to the vehicle. A method for determining an orientation of a mobile device with respect to a vehicle, and at least one computer-readable storage medium having instructions recorded thereon which, when executed by a computer, cause the computer to perform the method.

Abstract: A system for determining an orientation of a mobile device with respect to a vehicle. The system comprises at least one computer processor programmed to: receive local motion information regarding the mobile device; receive global displacement information regarding the mobile device; and based on the local motion information regarding the mobile device and the global displacement information regarding the mobile device, determine the orientation of the mobile device with respect to the vehicle. A method for determining an orientation of a mobile device with respect to a vehicle, and at least one computer-readable storage medium having instructions recorded thereon which, when executed by a computer, cause the computer to perform the method.

Abstract: Apparatus and methods are disclosed for identifying a vehicle using data collected by a personal electronic device residing in the vehicle during its operation. By enabling the vehicle to be identified using data collected by the personal electronic device, embodiments of the invention may allow other information captured by the personal electronic device relating to the user's operation of the vehicle to be associated with the vehicle.

Abstract: Apparatus and methods are disclosed for identifying a vehicle using data collected by a personal electronic device residing in the vehicle during its operation. By enabling the vehicle to be identified using data collected by the personal electronic device, embodiments of the invention may allow other information captured by the personal electronic device relating to the user's operation of the vehicle to be associated with the vehicle.

Abstract: Apparatus and methods are disclosed for identifying a vehicle using data collected by a personal electronic device residing in the vehicle during its operation. By enabling the vehicle to be identified using data collected by the personal electronic device, embodiments of the invention may allow other information captured by the personal electronic device relating to the user's operation of the vehicle to be associated with the vehicle.

Abstract: Apparatus and methods are disclosed for identifying a vehicle using data collected by a personal electronic device residing in the vehicle during its operation. By enabling the vehicle to be identified using data collected by the personal electronic device, embodiments of the invention may allow other information captured by the personal electronic device relating to the user's operation of the vehicle to be associated with the vehicle.

Abstract: A method for providing insurance underwriting using user-centric data includes receiving data reported from an application running on a telematics unit or a mobile device, matching the received data to known locations, and generating a score based on the reported data and the matched data. The reported data and the matched data are used to determine miles traveled. A valid trip is determined. A valid driver is determined to associate with the valid trip. A sum of valid trips is determined over a period of time. Location data for the mobile device or the telematics unit is determined. The location data is determined using network-based resources. The location data is determined using the mobile device or the telematics unit. The location data can be determined using a combination of network-based resources and the mobile device or the telematics unit. A change in location is categorized into a trip signature.

Abstract: A risk profile system determines a risk profile of a driver of a vehicle using improved driver metrics. Driver characteristics of a driver are determined as the driver encounters one or more locations that have an associated weighted accident history. The determined driver characteristics of the driver are compared to a normal distribution curve of driving characteristic data at one or more of the locations encountered by the driver. A risk profile system determines improved driver metrics. A weighted accident history is determined for one or more locations. A normal distribution curve is determined for driving characteristic data of a plurality of drivers at each of the one or more locations.