Targa Drive is a reliable and flexible solution that uses smartphone sensors to record real-time data and detect specific types of information during a journey. Targa Telematics’ algorithms and technology identify key events during trips, providing relevant insights to insurance companies. Targa Drive determines the mode of transportation, identifying the vehicle type and whether the user is a passenger or driver. By interpreting smartphone parameters, it assesses driving behaviour for each journey, evaluating factors such as speed compliance, time of day, braking, acceleration, distractions, and road types. This data helps refine driver risk evaluations, enabling more tailored and flexible insurance policies. Additionally, the solution detects potential accidents, sends alerts about possible dangeru behaviours, and facilitates digital claims management.