in the UK. Telematics-enabled computers allow organizers to track members' usage and bill them on a pay-as-you-drive basis. Some systems show users where to find an idle vehicle. Car Clubs such as Australia's Charter Drive use telematics to monitor and report on vehicle use within predefined geofence areas to demonstrate the reach of their transit media car club fleet. Auto insurance/Usage-based insurance (UBI) The general idea of telematics auto insurance is that a driver's behavior is monitored directly while the person drives and this information is transmitted to an insurance company. The insurance company then assesses the risk of that driver having an accident and charges insurance premiums accordingly. A driver who drives less responsibly will be charged a higher premium than a driver who drives smoothly and with less calculated risk of claim propensity. Other benefits can be delivered to end users with Telematics2.0-based telematics as customer engagement can be enhanced with direct customer interaction. Telematics auto insurance was independently invented and patented by a major U.S. auto insurance company, Progressive Auto Insurance , and a Spanish independent inventor, Salvador Minguijon Perez (European Patent EP0700009B1). The Perez patents cover monitoring the car's engine control computer to determine distance driven, speed, time of day, braking force, etc. Progressive is currently developing the Perez technology in the U.S. and European auto insurer Norwich Union is developing the Progressive technology for Europe. Both patents have since been overturned in courts due to prior work in the commercial insurance sectors. Trials conducted by Norwich Union in 2005 found that young drivers (18- to 23-year-olds) signing up for telematics auto insurance have had a 20% lower accident rate than average. In 2007, theoretical economic research on the social welfare effects of Progressive's telematics technology business process patents questioned whether the business process patents are pareto efficient for society. Preliminary results suggested that it was not, but more work is needed. In April 2014, Progressive patents were overturned by the U.S. legal system on the grounds of "lack of originality." The smartphone as the in-vehicle device for insurance telematics has been discussed in great detail and the instruments are available for the design of smartphone-driven insurance telematics. Telematics education Engineering Degree programs Federico Santa María Technical University (UTFSM) in Chile has a Telematics Engineering program which is a six-year full-time program of study (12 academic semesters). The final degree in Telematics Engineering has the title