DriveSmart™ is a driver performance change management system for use by commercial vehicle operators to reduce the risk of loss of life, injury to road-users and damage to vehicles and other property. Originally designed and developed for exclusive use by a niche-market insurance underwriter, DriveSmart™ has a verifiable & proven track record of efficacy. The marked reduction in losses suffered, as measured by the number of incidents and the severity thereof, by commercial fleet owners using the DriveSmart™ system has given rise to a reduction in losses that makes the track record of these fleets the toast of the insurance industry.