UBI-Usage Based Insurance, which widely use in insurance company, based on user’s driving behavior, driving habit, precious driving mileage and driving district to calculate and provide a reasonable insurance rates. According to these information, they can manage their customer level to level, decreasing safety driver’s insurance charge, increasing dangerous diver’s insurance charge. And all these precise management action would help insurance company save their cost, enhance their speed of claim settlement and strength their risk control ability. Our terminal use 50MHz 3 axis-accelerator which uploading vehicle data to server by second. It can restore the original car accident process clearly, and we fix it as one of our advantage in OBD peers.