Abstract: Various embodiments of the present invention provide methods, systems, apparatus, and computer program products for synchronizing data across at least two sensors. In one embodiment, first sensor data, which includes a universal time stamp from a universal time source, is recorded from at least one first sensor and second sensor data, which does not include a universal time stamp from a universal time source, is recorded from at least one second sensor. The first sensor data is correlated with the second sensor data, and a universal time that corresponds with the data from the second sensor is determined at least in part based on the correlation between the first sensor data and the second sensor data.

Abstract: Various embodiments of the present invention provide methods, systems, apparatus, and computer program products for synchronizing data across at least two sensors. In one embodiment, first sensor data, which includes a universal time stamp from a universal time source, is recorded from at least one first sensor and second sensor data, which does not include a universal time stamp from a universal time source, is recorded from at least one second sensor. The first sensor data is correlated with the second sensor data, and a universal time that corresponds with the data from the second sensor is determined at least in part based on the correlation between the first sensor data and the second sensor data.

Abstract: A system, method and computer program product for utilizing a person's voting status as a factor in segmenting a population, and in various aspects of selling, underwriting, or rating insurance. Voting status may include voter registration, eligibility for voter registration, an instance of recent voting, voting frequency, or other voting history in elections. In defining voting status, an instance of recent voting, voting frequency, or other voting history may optionally take into account the type of election or the turnout for the election, or both. Voting status may be used together with other factors such as age, gender, driving distance to place of employment, or residence location. A risk model for insurance purposes is provided, including segmentation of a population into groups based factors including voting status; and determining risk parameters of each group.

Abstract: Systems and methods provide services relating to driving safety and insurance in connection with insuring selected segments of a population, such as young drivers or elderly drivers. A web-based system provides a web site having a home web page configured to provide links to web pages accessible by a user over the Internet, configured to provide program elements such as an interface to a GPS vehicle monitoring system connected to provide vehicle information to the user via one or more of the web pages and to receive instructions from the user to select features of the GPS system, a display of or link to educational information relating to safe driving, stored by the web-based system or provided by interface to a third party web site; or a display of or link to a tool providing an estimate of an insurance premium discount based on use of the program.