Patent ID: 8805707

Claim:
An insurance system, comprising: a data storage device storing, updating and providing access to a plurality of loss risk factors associated with geographic locations; a computer processor coupled to the data storage device and executing program instructions and retrieving the plurality of loss risk factors from the data storage device; a memory, coupled to the computer processor, storing program instructions executed by the computer processor; a communication device, coupled to the computer processor, receiving a request for a safety score associated with data indicative of a user location; a civic improvement platform in communication with the communication device and for receiving participant safety reports from participant devices relating to municipal safety issues and for forwarding the participant safety reports to governmental devices and public utility devices; wherein each of the participant safety reports includes an indication of at least one of: (i) a road condition, (ii) a traffic sign condition, (iii) a streetlight condition, (iv) a traffic light condition, (v) an electrical wire condition, (vi) a water hazard, (vii) a weather hazard, (viii) a street condition, (ix) a plant hazard, (x) a sidewalk condition, (xi) a guardrail condition, and (xii) a criminal activity; and a scoring engine executing program instructions stored in the memory for calculating the safety score based on the data indicative of the user location and the plurality of loss risk factors, wherein at least one loss risk factor comprises civic improvement platform data generated based on participant safety reports received by the a civic improvement platform; and wherein the plurality of loss risk factors further comprise at least two of: (i) road segment information, (ii) real time weather information, (iii) current traffic information, (iv) crime rates, (v) automobile accident information, (vi) a time of day, (vii) visibility conditions, (viii) police data, (ix) fire department response times, (x) topographical information, (xi) third-party accident data, (xii) governmental data, (xiii) internal insurance loss data, (xiv) video cameras, and (xv) police reports.