Configure a telematics UBI program data pipeline from raw driving event ingestion to premium discount calculation

Steps

1. Ingest raw telematics events (GPS coordinates, speed, acceleration, hard braking, time-of-day) from a telematics SDK, OBD-II device, or connected vehicle API into a streaming or batch data pipeline
2. Normalize events into a standard schema and perform data quality checks (gap detection, outlier filtering, trip stitching for fragmented GPS traces)
3. Score each trip using a UBI scoring model that weights behaviors such as hard braking, rapid acceleration, speeding, and nighttime driving according to the carrier's actuarially filed rating plan
4. Aggregate trip scores into a policy-period composite score per insured vehicle
5. Apply the actuarially filed discount or surcharge table to the composite score to compute the UBI rating factor
6. Write the final rating factor to the policy admin system for inclusion in renewal rating and generate a driver feedback report for the insured