A method for determining the
risk profile of a vehicle driver, which includes monitoring
payment timeliness of the vehicle driver, populating a risk
database with the
payment timeliness, wherein the risk
database stores the
payment timeliness data in a
data field corresponding to the specific vehicle driver, monitoring braking style of the vehicle driver, populating a risk
database with the braking style of the vehicle driver, wherein the risk database stores the braking style data in a
data field corresponding to the specific vehicle driver, the braking style data includes the speed of the vehicle, pressure on a
vehicle brake pedal by the vehicle driver, and the time the
brake pedal is engaged by the vehicle driver, monitoring the speed of a vehicle being driven by the vehicle driver compared to the posted
speed limit, and populating a risk database with the speed of the vehicle and the corresponding posted
speed limit, wherein the risk database stores the speed of the vehicle data and the corresponding posted
speed limit in a
data field corresponding to the specific vehicle driver.