Abstract: A method includes retrieving data about vehicle operator behavior via a computer network, wherein the data about vehicle operator behavior is generated by a motion sensing device adapted to monitor movements of a vehicle operator, and clustering the data about vehicle operator behavior into a plurality of groups of data. The method further includes determining a numerical level of risk corresponding to each of the plurality of groups of data and generating an insurance rate for an insurance product, wherein the insurance rate is consistent with the numerical levels of risk corresponding to each of the plurality of groups of data.

Abstract: A method comprises retrieving data about vehicle operator behavior via a computer network and clustering the data about vehicle operator behavior into a plurality of groups of data, each of the plurality of groups of data representing a type of movement of the vehicle operator. The method further includes determining a numerical level of risk corresponding to each of the plurality of groups of data by executing a learning routine and generating a communication to be transmitted to user of a remote computing device. The communication is based on the one or more of the numerical levels of risk or the types of movements corresponding to the plurality of groups of data.

Abstract: A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle. A driver is then identified based on the plurality of risk variables, and a risk profile is developed for the driver. The development of the risk profile involves determining the risk associated with at least some of the risk variables and generating a risk index, the risk index being a collective measure of risk associated with the driver.

Abstract: A method for ascertaining the risk associated with the driver of a vehicle utilizes three-dimensional (3D) motion sensing data. A server gathers motion sensing data from one or more motion sensing modules and clusters the motion sensing data into movement categories. The server then assigns an indication of risk to at least some of the movement categories and combines the motion sensing data from a plurality of movement categories to generate a collective measure of risk associated with the driver of the vehicle.

Abstract: A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle. A driver is then identified based on the plurality of risk variables, and a risk profile is developed for the driver. The development of the risk profile involves determining the risk associated with at least some of the risk variables and generating a risk index, the risk index being a collective measure of risk associated with the driver.

Abstract: A method for ascertaining the risk associated with the driver of a vehicle utilizes three-dimensional (3D) motion sensing data. A server gathers motion sensing data from one or more motion sensing modules and clusters the motion sensing data into movement categories. The server then assigns an indication of risk to at least some of the movement categories and combines the motion sensing data from a plurality of movement categories to generate a collective measure of risk associated with the driver of the vehicle.

Abstract: A method for assessing risk associated with a driver of a vehicle includes receiving a plurality of risk variables associated with a driver, the plurality of risk variables being gathered when the driver operates the vehicle. A driver is then identified based on the plurality of risk variables, and a risk profile is developed for the driver. The development of the risk profile involves determining the risk associated with at least some of the risk variables and generating a risk index, the risk index being a collective measure of risk associated with the driver.