Driver profiles based upon driving behavior with passengers

A system for detecting and acting upon driver behavior while driving with passengers, the system comprising:

• a device or subsystem that includes one or both of (i) one or more electronic subsystems located on or in a vehicle, and (ii) a mobile electronic device of a driver or a passenger of the vehicle, and is configured to
• collect telematics data during one or more time periods, wherein the telematics data includes (i) weight sensor data that was generated by one or more weight sensors installed within one or more seats of the vehicle, (ii) image data that was generated by a camera mounted within the vehicle, or (iii) seat belt data that was generated by the one or more electronic subsystems, and
• transmit the telematics data to a computer system;
• and the computer system, wherein the computer system includes
• one or more processors, and
• a memory storing instructions that, when executed by the one or more processors, cause the computer system to
• analyze the collected telematics data to (i) identify one or more time periods during which the driver of the vehicle drove with one or more passengers, (ii) identify one or more driving behaviors of the driver during the one or more time periods, and (iii) identify one or more driving behaviors of the driver during one or more other time periods in which the driver drove without passengers, wherein analyzing the collected telematics data includes analyzing the weight sensor data, the image data, or the seat belt data to determine when and how many passengers were within the vehicle,
• determine, based upon (i) the one or more driving behaviors of the driver during the one or more time periods and (ii) the one or more driving behaviors of the driver during the one or more other time periods, how the driver modifies his or her driving when driving with passengers as compared to when driving alone,
• based at least upon how the driver modifies his or her driving when driving with passengers, set at least a portion of a driver profile associated with the driver, and
• transmit at least the portion of the driver profile to an entity that
• adjusts a credit rating associated with the driver based upon at least the portion of the driver profile,
• adjusts an insurance rating associated with the driver based upon at least the portion of the driver profile,
• reviews at least the portion of the driver profile in connection with a job sought by the driver, or
• offers a permanent or temporary credit, in connection with a good or service offered by the entity, based upon at least the portion of the driver profile.