A system and method for gathering, processing, and analyzing data to determine the risk associated with driving behavior is disclosed. A crash risk factor can be assigned to a driver behavior in a database (710), where the crash risk factor has a value related to a crash scenario. The crash scenario can be a crash type or a crash severity. A trip length input for the vehicle can be received from a sensor (720). The trip length input can be a distance traveled for the trip or a time duration for the trip. The trip length can be segmented into a plurality of intervals. The interval can be a distance segment of the trip or a time segment of the trip. The sensor can either be an integrated vehicle sensor integrated with the vehicle or a portable sensor contained in the vehicle. The portable sensor contained in the vehicle can be a mobile phone or other mobile communication device. The integrated vehicle sensor can be an on-board sensor that is configured to communicate with the portable wireless device. A base-line value for the crash risk factor for each interval of the trip can be determined (730) where the base-line value represents a value for safe driving without the crash risk factor. The occurrence of driver behavior corresponding to the crash risk factor for each interval can be determined. A crash risk mileage value for each interval of the trip can be calculated (740) by multiplying the base-line value by an interval length and the crash risk factor applicable to the interval. A total crash risk mileage value for the trip can be determined by combining (750) the crash risk mileage value for each interval. At least one of the total crash risk mileage value and the driver behavior for the trip can be transmitted (760) to a remote server with a mobile communication device to allow driver behavior-related risk to be analyzed.
METHOD FOR GATHERING, PROCESSING, AND ANALYZING DATA TO DETERMINE THE RISK ASSOCIATED WITH DRIVING BEHAVIOR