Abstract: Systems and methods for multiplexing of a dedicated communication channel for multiple entities, including initiating, at a first entity, a request to share data with a second entity; sharing a portion of an aggregate record for the with the second entity including creating an entity-specific copy; initiating, at the first entity, a request to share data with a third entity; and sharing a portion of the aggregate record with the third entity including creating an entity-specific copy. The portions shared with the second and third entities are dependent on data sharing rules defining shared data, linked data, and entity-specific data that is i) nonsynchronous and ii) provided for display only at the entity associated with the data.

Abstract: A method comprises receiving geographic location data indicative of two or more locations of a vehicle, wherein the vehicle is insured by a first insurance policy. The method further comprises determining a second rating area covering a second location among the two or more locations of the vehicle, wherein the second rating area is different than the first rating area. The method further comprises determining that the second rating area requires a second insurance policy different from the first insurance policy and generating the second insurance policy for the vehicle based on at least the second rating area, wherein the second insurance policy has a second set of coverage parameters different from the first set of coverage parameters. The method further comprises offering the second insurance policy to an owner of the vehicle.

Abstract: Sensor data related to the vehicle's location is received and then processed to determine whether the primary location of the insured vehicle is within the first rating area. If it is not, then the location data is further processed to determine a second rating area associated with the vehicle's primary location. The risk exposure values for the second rating areas are determined and then used to generate a second set of coverage parameters and a second set of insurance policy price data, which is then used to generate a second premium. The first set of coverage parameters are replaced by the second set of coverage parameters and the first premium is replaced by the second premium.