NATIONWIDE SMARTRIDE

Downloadable mobile applications for providing insurance services, namely, underwriting, issuance and administration of property and casualty insurance, and featuring software tools for collection of telematics data indicative of driver habits for evaluation of driver safety and providing information related to driver behavior, and for administering an incentive program to reward members for achieving goals in the field of driver behavior and safety; telematics apparatus, namely, wireless devices that provide telematics monitoring services, namely, wireless transceivers for collecting and transmitting driver behavior data; downloadable computer application software for mobile phones for monitoring telematics, for monitoring the safety and the events of a vehicle, and for providing data and information related to telematics and insurance rates