Patent ID: 8606512

Claim:
An apparatus, comprising: a processor configured to execute computer-executable instructions stored in a memory; a telematics device, which is in communication with the processor, configured to monitor consumption of risk units; and the memory containing computer-executable instructions, which when executed by the processor, cause the apparatus to perform steps comprising: calculating a route from a start location to an end location; receiving historical accident information comprising direction of vehicle travel at accident location, accident location, and accident loss information; calculating a route risk score for the route, wherein the route risk score is calculated using at least the accident information, wherein vehicle direction through the route is a factor in calculating a route risk score for the route, wherein a road segment of the route has a higher risk score for a vehicle travelling in a first direction and a lower risk score for a vehicle traveling in a second direction, wherein the first direction and second direction are in opposite directions; sending the calculated route and the route risk score to an output device, wherein the route risk score indicates safety risk of the route independent of a specific driver; calculating total risk units consumed while traveling from the start point to the end point of the calculated route; and transmitting, using the telematics device, the total consumed risk units.