Abstract: A method includes receiving first sensor data representing information collected, during a first time period, by a sensor located on or in a vehicle configured to sense an environment external to the vehicle, storing the data in a memory, processing the data to determine a first set of one or more characteristics of the external environment, and determining, based on the first set of characteristics, a first risk indicator representing a risk of loss during the first time period. The method also includes receiving second sensor data representing information collected, during a second time period, by the sensor, storing the data in the memory, and processing the data to determine a second set of one or more characteristics of the external environment. The method also includes determining, based on the second set of characteristics, a second risk indicator representing a risk of loss during the second time period.

Abstract: A method, implemented in an electronic processing system that includes a memory and one or more processors, includes receiving, at the electronic processing system, sensor data representing information collected by a first sensor (i) located on or in a first vehicle and (ii) configured to sense an environment external to the first vehicle. The method also includes storing the received sensor data in the memory, and generating, via the one or more processors and using the stored sensor data, a virtual model of an event involving at least one vehicle.