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.

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: A system for monitoring operator behavior, motor vehicle behavior, geography and environment, including at least one mobile device and/or at least one personal monitoring system; application software resident on the mobile device for gathering, recording, characterizing, comparing, classifying and communicating information relevant to the motor vehicle operator, the motor vehicle, the geography, and/or the environment, wherein the information is recorded and processed when the operator is operating the motor vehicle and/or not operating the motor vehicle, and wherein the application software is activated or deactivated based on certain predetermined trigger events; at least one central control system in communication with the mobile device and/or the personal monitoring device, wherein the central control system further augments, processes and classifies the information gathered by the application software and communicates the processed and characterized information to a user of the system; at least one algor

Abstract: A system for monitoring operator behavior, motor vehicle behavior, geography and environment, including at least one mobile device and/or at least one personal monitoring system; application software resident on the mobile device for gathering, recording, characterizing, comparing, classifying and communicating information relevant to the motor vehicle operator, the motor vehicle, the geography, and/or the environment, wherein the information is recorded and processed when the operator is operating the motor vehicle and/or not operating the motor vehicle, and wherein the application software is activated or deactivated based on certain predetermined trigger events; at least one central control system in communication with the mobile device and/or the personal monitoring device, wherein the central control system further augments, processes and classifies the information gathered by the application software and communicates the processed and characterized information to a user of the system; at least one algor

Abstract: A system for monitoring operator and motor vehicle behavior, including at least one mobile device; application software resident on the mobile device, wherein the application software is operative to gather and record information relevant to both the behavior of a motor vehicle and the behavior of an operator of the motor vehicle, and wherein the application software is activated or deactivated based on certain predetermined trigger events; and at least one information processor in communication with and/or resident on the mobile device, wherein the information processor is operative to process and characterize the information gathered by the application software and communicate the processed and characterized information to a user of the system.

Abstract: A system for monitoring operator and motor vehicle behavior, including at least one mobile device; application software resident on the mobile device, wherein the application software is operative to gather and record information relevant to both the behavior of a motor vehicle and the behavior of an operator of the motor vehicle, and wherein the application software is activated or deactivated based on certain predetermined trigger events; and at least one information processor in communication with and/or resident on the mobile device, wherein the information processor is operative to process and characterize the information gathered by the application software and communicate the processed and characterized information to a user of the system.

Abstract: A system for monitoring operator and motor vehicle behavior, including at least one mobile device; application software resident on the mobile device, wherein the application software is operative to gather and record information relevant to both the behavior of a motor vehicle and the behavior of an operator of the motor vehicle, and wherein the application software is activated or deactivated based on certain predetermined trigger events; and at least one information processor in communication with and/or resident on the mobile device, wherein the information processor is operative to process and characterize the information gathered by the application software and communicate the processed and characterized information to a user of the system.