SYSTEMS AND METHODS FOR ASSESSING DRIVING RISK

Disclosed are systems and methods for assessing driving risk in the field of vehicle telematics. The disclosed technology addresses the challenge of evaluating risk from raw, irregularly sampled telematics time series. The system comprises at least one data storage for telematics data and at least one processor operable to determine velocity vectors, longitudinal acceleration, and lateral acceleration from geospatial data, identify trip subintervals with non-zero speed events, and detect anomalous trip events using a stochastic model, such as a continuous-time hidden Markov model. The processor flags events exceeding a threshold as anomalous. A trip risk score is calculated based on the proportion of anomalous events. Principal uses include insurance premium adjustment, fleet management, and driver coaching. The disclosed technology further encompasses processes and non-transitory computer-readable media for implementing these functionalities.