Ingest telematics driving data and compute a usage-based insurance (UBI) score

Steps

1. Collect raw telematics events from the vehicle's OBD-II dongle, mobile SDK, or connected-car API, each event containing timestamp, GPS coordinates, speed, acceleration, and hard-braking indicators
2. Normalize events into trips by segmenting on ignition-on/off events or GPS gap thresholds; compute per-trip metrics: distance driven, time of day, average speed, hard-brake count, rapid-acceleration count, and distracted-driving events
3. Aggregate trip-level metrics over the policy scoring period (typically 30–90 days) to produce fleet-level or driver-level features: miles driven, percentage of night driving, hard-brake events per 100 miles
4. Apply your UBI scoring model—which may be a weighted composite or a machine learning model trained on historical loss data—to produce a normalized score that maps to a discount or surcharge percentage
5. Write the score and its component factors to the policy record; surface the factors to the insured in a driver feedback app to encourage behavioral improvement and support adverse-action disclosure requirements