Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: Certain implementations of the disclosed technology may include systems, methods, and apparatus for determining risks associated with a driving route. According to an example implementation, a method is provided. The method may include identifying one or more probable routes of travel that include one or more first road segments. The method includes estimating risk associated with vehicular travel along one or more first road segments based at least in part on one or more of static road characteristics, temporal road characteristics, historical accident information, incident information, and traffic violation information associated with the one or more first road segments, and estimating risk associated with vehicular travel along the one or more probable routes by accumulating the estimated risk associated with vehicular travel along the one or more first road segments.

Abstract: Monitoring systems and methods are configured to determine a pattern of vehicle usage or to verify personal data about a vehicle insurance applicant, without unreasonable expense to an insurance provider or the applicant. A monitoring system can track movements of a handheld mobile communication device, and can include a personal data unit, a communication unit, and an analysis unit. The personal data unit can receive personal data about the insurance applicant, including an identifier of a mobile communication device used by the insurance applicant. The communication unit can receive location data describing various locations of the mobile communication device.

Abstract: Certain example embodiments of the disclosed technology may include systems and methods for telematics monitoring. An example method is provided that includes receiving, at a mobile computing device, and from a Vehicle Identification Unit (VIU), identification (ID) data representing a first vehicle. The method further includes receiving, by the mobile computing device, sensor data from one or more sensors associated with the mobile computing device. Certain embodiments may further include receiving, at an Operational Measurement Unit (OMU), an operation indication associated with the first vehicle. The OMU may include an operational measurement component configured to advance an operational count in response to receiving the operation indication. Certain example embodiments may include transmitting telematics data by the mobile computing device. In certain embodiments, the telematics data may include least a portion of one or more of the ID data, the sensor data, and/or the operational count data.

Abstract: Monitoring systems and methods are configured to determine a pattern of vehicle usage or to verify personal data about a vehicle insurance applicant, without unreasonable expense to an insurance provider or the applicant. A monitoring system can track movements of a handheld mobile communication device or rely on an application installed on said device, and can include a personal data unit, a communication unit, and an analysis unit. The personal data unit can receive personal data about the insurance applicant, including an identifier of a mobile communication device used by the insurance applicant.

Abstract: Monitoring systems and methods are configured to determine a pattern of vehicle usage or to verify personal data about a vehicle insurance applicant, without unreasonable expense to an insurance provider or the applicant. A monitoring system can track movements of a handheld mobile communication device, and can include a personal data unit, a communication unit, and an analysis unit. The personal data unit can receive personal data about the insurance applicant, including an identifier of a mobile communication device used by the insurance applicant. The communication unit can receive location data describing various locations of the mobile communication device. The analysis unit can analyze the location data to determine a level of risk for insuring the entity, based at least partially on movements of the mobile communication device indicated by the location data.

Abstract: Systems and methods for reporting information to financial institutions and insurance carriers are disclosed. A reporting system can be a loss payee notification system comprising a communication device, a computer processor, a status update unit, and a bill management unit. The communication device can enable the reporting system to communicate with financial institutions and insurance carriers. The computer processor can provide various functions, including reconciling data received from the financial institutions and insurance carriers with data stored in a database. The status update unit can update the financial institutions of changed insurance information related to properties financed by the financial institutions and can also update the insurance carriers of changed loan information related to properties insured by the insurance carriers. The bill management unit can manage escrow bills to escrow accounts kept by the financial institutions.

Abstract: Systems and methods of calculating and presenting automobile driving risks are provided. In accordance with some embodiments, a method of obtaining driving performance data to provide one or more driving performance risk scores derived from received data is provided. The method can generally comprise receiving an initial data set into a memory, the initial data set comprising telematic data that includes driving performance data; transforming at least a part of the initial data set into a production data set such that the transformation augments certain data elements in the initial data set into predetermined states; storing the production data set into a centralized data repository; and receiving one or more data inquiries from one or more interested parties and in response to the one or more data inquiries providing a driving performance risk score based on data stored in the centralized data repository, wherein the driving performance risk score indicates a level of insurance risk.