A driving analysis system comprising a first vehicle on-board data recording system, a first location information data source, a first driving trip and driving pattern data source, a first weather data source, a first traffic data source, one or more vehicle accident or vehicle damage data sources, and a driving analysis server:
- wherein the first vehicle on-board data recording system comprises:
- one or more vehicle operation sensors or cameras configured to record vehicle operation data at the first vehicle;
- one or more global positioning system (GPS) devices configured to record vehicle location data at the first vehicle;
- and
- one or more telematics devices configured to transmit the vehicle operation data and vehicle location data from the first vehicle to the driving analysis server,
- wherein the first location information data source comprises one or more databases configured to store GPS coordinate data and corresponding location information for a plurality of driving locations;
- wherein the first driving trip and driving pattern data source comprises one or more databases configured to store vehicle driving data corresponding to a plurality of previous driving trips by the first vehicle;
- wherein the weather data source comprises a processor and a memory unit storing computer-executable instructions, which when executed by the processor, cause the weather data source to receive and store weather data corresponding to a plurality of geographic locations and times associated with the first vehicle, and to transmit the weather data to the driving analysis server;
- wherein the traffic data source comprises a processor and a memory unit storing computer-executable instructions, which when executed by the processor, cause the traffic data source to receive and store traffic data corresponding to a plurality of geographic locations and times associated with the first vehicle, and to transmit the traffic data to the driving analysis server;
- wherein each of the one or more vehicle accident or vehicle damage data sources comprises a processor and a memory unit storing computer-executable instructions, which when executed by the processor, cause the vehicle accident or vehicle damage data source to receive and store vehicle accident data or vehicle damage data corresponding to a plurality of geographic locations and times associated with the first vehicle, and to transmit the vehicle accident data or vehicle damage data to the driving analysis server;
- wherein the driving analysis server comprises a processor and a memory unit storing computer-executable instructions, which when executed by the processor, cause the driving analysis server to:
- receive and analyze the vehicle operation data and the vehicle location data from the one or more telematics devices of the first vehicle, the vehicle operation data and vehicle location data corresponding to a first driving trip by the first vehicle
- access the first location information data source to determine a first source location of a first driving trip, a first destination of the first driving trip, a second destination of the first driving trip, and identify risk data associated with the first destination of the first driving trip and the second destination of the first driving trip;
- determining a first set of risk factors for evaluation based on the determined first destination;
- determine a second set of risk factors for evaluation based on the determined second destination, the second set of risk factors being different from the first set of risk factors;
- determine one or more risk assessment values corresponding to the first driving trip, wherein determining the risk assessment values comprises:
- determining one or more driving risk assessment values for risk factors of the first set of risk factors associated with driving the first vehicle to or from the first destination during the first driving trip;
- and
- determining one or more parking risk assessment values associated with parking the first vehicle at the first destination during the first driving trip, the one or more parking risk assessment values being based on a set of parking risk factors different from the first set of risk factors;
- determining one or more driving risk assessment values for risk factors of the second set of risk factors associated with driving the vehicle to or from the second destination during the first driving trip, the second set of risk factors being different from the first and second set of risk factors and the set of parking risk factors;
- determining one or more parking risk assessment values associated with parking the first vehicle at the second destination during the first driving trip, the parking risk assessment value being based on the set of parking risk factors;
- and
- calculate a driver score for the first vehicle or a first driver of the first vehicle, based at least on the driving risk assessment values and the parking risk assessment values corresponding to the first driving trip.