Route risk mitigation

A method comprising:

• receiving a start location at an input device in communication with a processor;
• receiving an end location at the input device;
• receiving historical accident information comprising direction of vehicle travel at accident location, accident location, and accident loss information;
• retrieving a segment value for each of a plurality of road segments corresponding to a travel route of a vehicle from the start location to the end location, wherein a risk score for a segment is based on the vehicle direction through the road segment, wherein a road segment of the route has a higher risk score for a vehicle travelling in a first direction and the same road segment has a lower risk score for a vehicle traveling in a second direction, wherein the first direction and second direction are in opposite directions;
• aggregating the segment values, using the processor, to calculate a route risk score for the travel route, wherein the route risk score is calculated using at least the accident information;
• and
• sending the travel route and the route risk score to an output device in communication with the processor, wherein the route risk score indicates risk of a vehicular incident through the route independent of a specific driver;
• calculating total risk units consumed while traveling from the start point to the end point of the travel route;
• and
• transmitting, using a telematics device in communication with the processor and configured to monitor consumption of risk units, the total consumed risk units.

A non-transitory computer-readable medium storing computer-executable instructions, which when executed by a processor, cause a computing device, which comprises a telematics device configured to monitor consumption of risk units, to perform steps comprising:

• receiving a travel route of a vehicle, wherein the travel route comprises a start location and an end location;
• receiving historical accident information comprising direction of vehicle travel at accident location, accident location, and accident loss information, wherein the route risk score is calculated using at least the accident information;
• calculating a route risk score for the travel route, wherein the route risk score is calculated using at least the accident information, wherein vehicle direction is a factor in calculating the risk score for the travel route, wherein the 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 travel route;
• transmitting, using the telematics device, the total consumed risk units;
• and
• transmitting the calculated route risk score using the processor.