Systems and methods for surface segment data

A method, comprising:

• identifying, by a specially-programmed electronic controller device and based on data received via a wireless electronic network and from an electronic telematics device coupled to a vehicle and in communication with the specially-programmed electronic controller device via the wireless electronic network, first information descriptive of an amount of time the vehicle spends on a first type of surface segment, the first information being recorded by the electronic telematics device based on a measuring, by the electronic telematics device, of a first physical parameter that is indicative of the first type of surface segment;
• identifying, by the specially-programmed electronic controller device and based on data received via the wireless electronic network and from the electronic telematics device coupled to the vehicle, second information descriptive of an amount of time the vehicle spends on a second type of surface segment, the second information being recorded by the electronic telematics device based on a measuring, by the electronic telematics device, of a second physical parameter that is indicative of the second type of surface segment;
• identifying, by the specially-programmed electronic controller device and by accessing risk parameter data stored in relation to surface segment types in a non-transitory electronic memory device, a first risk metric of the first type of surface segment;
• identifying, by the specially-programmed electronic controller device and by accessing the risk parameter data stored in the non-transitory electronic memory device, a second risk metric of the second type of surface segment;
• calculating, by the specially-programmed electronic controller device and based on (i) the amount of time the vehicle spends on the first type of surface segment and (ii) the first risk metric, a first risk exposure;
• calculating, by the specially-programmed electronic controller device and based on (i) the amount of time the vehicle spends on the second type of surface segment and (ii) the second risk metric, a second risk exposure;
• and
• calculating, by the specially-programmed electronic controller device and based at least in part on the first and second risk exposures, an insurance rate for the vehicle.