Abstract: Drunk driving causes terrible misery. A new type of auto insurance called SoberTeen™ Driving insurance may help that. SoberTeen driving insurance is auto insurance that provides a 10% to 30% discount to young drivers who always drive sober and are willing to let an insurance company monitor their cars to verify it. Intoxication can be determined from measuring braking force, accelerator use and proximity to nearby cars. A “nonintrusive load monitor” algorithm can figure out if a driver is intoxicated, even if different drivers use the car. The insurance product may be set up so that the policy premium is based on monitoring a young driver during a one month probationary period, but there is no actual monitoring during the next year of insurance coverage. That way, driver privacy is protected.

Abstract: An insurance risk classification methodology involves classifying prospective insureds into risk groups based on personality traits that determine behavior and are thereby predictive of insurance loss. In one embodiment, a questionnaire is given to the prospective insured to measure personality variables of the prospective insured. Depending on answers to the questions, the prospective insured is classified into an appropriate risk group. In another embodiment, a surveying methodology is used to formulate the questionnaire.