Personal auto insurance underwriting, said underwriting services offering insured motorists waiver of premium surcharge for automobile accidents or violations

'accid':17 'auto':2 'automobil':16 'insur':3,9 'motorist':10 'offer':8 'person':1 'premium':13 'said':5 'servic':7 'surcharg':14 'underwrit':4,6 'violat':19 'waiver':11

Electronic device comprised of receivers, transmitters and computer hardware and firmware, all for collecting data regarding driving behavior

'behavior':18 'collect':14 'compris':3 'comput':8 'data':15 'devic':2 'drive':17 'electron':1 'firmwar':11 'hardwar':9 'receiv':5 'regard':16 'transmitt':6

Collecting data about the driving behavior of motorists to determine insured motorists' eligibility for waiver of premium surcharges

'behavior':6 'collect':1 'data':2 'determin':10 'drive':5 'elig':13 'insur':11 'motorist':8,12 'premium':17 'surcharg':18 'waiver':15

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