Patent Document ID: 20100063850
Application ID: 12283312
Patent Flag: 0

Claim One:
1. A method of determining a driver score comprising: (a) receiving a driver's personal history which includes a plurality of risk assessment factors, wherein said risk assessment factors are each analyzed to derive individual weighted scores, and wherein said individual weighted scores are each distinct from an objective driver score used to assess said driver's insurability; (b) providing each driver with a portable pin unit with a unique electronic key used as a unique identifier for the driver being assessed, and wherein said portable pin unit includes means for selective activation of a monitoring unit in a vehicle to start a monitoring session; (c) equipping at least one vehicle with said monitoring unit, where upon activation the driver's operation of said vehicle and other pertinent data elements concerning the vehicle are monitored, recorded and transmitted to an evaluation center to generate said driver's risk assessment record; (d) receiving the driver's risk assessment record which is analyzed to derive a weighted driver risk assessment score, wherein said weighted driver risk assessment score is distinct from the objective driver score; and (e) determining and outputting the objective driver score based on the aggregate of the individual weighted scores derived from the plurality of risk assessment factors and the driver's risk assessment record.