FICO Safe Driving Score Methodology and Application

This technical report presents the FICO® Safe Driving Score, a standardized measurement designed to assess driver safety and predict collision risk. It outlines the score's basis in five key risk factors: acceleration, braking, cornering, distraction, and speeding. The methodology utilizes telematics data collected from eDriving's smartphone-based safety app, MentorSM, to provide insights into driving behaviors that may lead to future incidents. The report details how the score is calculated, incorporating the frequency, duration, and severity of identified driving behaviors. It also explains how drivers can benefit from this score by receiving personalized feedback aimed at improving their driving habits. The report emphasizes the importance of data protection and privacy, noting that the system requires driver consent for data usage. Additionally, it highlights validation studies confirming the score's predictive capability in identifying high-risk drivers. Overall, the report aims to equip fleet operators and insurers with effective tools for managing driver safety and risk.