Abstract: A method for providing automatic crash management (ACM) is provided. An ACM application is enabled on a mobile device. Data is collected from a plurality of sensors associated with the mobile device. The data from the plurality of sensors is processed with the ACM application. The processed data is monitored with accident logic of the ACM application running on the mobile device to determine whether a crash has been detected. The data from the plurality of sensors is automatically streamed to the off-board server for further analysis upon detection of the crash.

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.