Patent ID: 8731977

Claim:
A method of determining risk for a vehicle comprising: a.) obtaining vehicle history data for the vehicle from a computerized vehicle history database based on the vehicle's vehicle identification number (V1N); b.) selecting at least two vehicle variables determined to impact the risk of future loss associated with a vehicle, where at least one of the selected vehicle variable has a plurality of time dependent risk levels that are each associated with a different predetermined timeframe period for the selected vehicle variable; c.) assigning numerically weighted values to vehicle variables and the plurality of time dependent risk levels associated with different predetermined timeframe periods for the selected vehicle variable; d.) storing the selected vehicle variables, time dependent risk levels, and numerically weighted values in an electronic non-transitory memory storage media; e.) analyzing the vehicle history data with a users computer system to determine the applicability of (i) the selected vehicle variables, and (ii) the time dependent risk levels associated with different predetermined timeframe periods; and f.) generating a risk score for the vehicle based on the applicability of the selected vehicle variables, the plurality of time dependent risk levels and the numerically weighted assigned values.