Abstract: System for monitoring and classifying driving behavior of an operator of a motor vehicle includes at least one personal monitoring device having mechanism(s) for wearing the device by and/or attaching the device to the operator, and hardware including local memory, battery, and sensors. The device provides at least GPS and communication functions, and monitors and communicates information about driving behavior, including driving data collected by the device without receiving it from vehicle sensors and/or calculated or derived from data collected by the device without receiving it from vehicle sensors. Application software on the device interfaces with device hardware for monitoring and communicating, being activated and deactivated based on trigger events. At least one control system includes an information processor receiving and communicating information about driving behavior, aggregating information, and communicating at least some of the aggregated information.

Abstract: System for determining qualification for insurance, cost of insurance or combinations thereof for a motor vehicle operator. At least one personal monitoring device monitors and communicates information about an operator of the motor vehicle, including at least driving data collected when the operator is operating the motor vehicle without receiving such driving data from vehicle sensors, calculated or derived based on data solely collected by the personal monitoring device without receiving such data from vehicle sensors, or combinations thereof. Application software on the device interfaces with the personal monitoring device hardware for monitoring and communicating, being activated and deactivated based on trigger events. At least one control system collects, processes and communicates at least a portion of the information collected and/or derived by the personal monitoring device used for determining qualification for insurance, cost of insurance or combinations thereof.