1. A mobile device for telematics and user interaction, the mobile device comprising: a global positioning system (GPS) receiver circuitry; the mobile device configured to be mounted inside a vehicle or fixed on the dashboard of the vehicle, the mobile device configured to interact over a telecommunications network or Internet with a coordination server; a client software comprising a navigation component that interacts with the GPS receiver circuitry, the navigation component capable of providing directions to a destination to a user of the mobile device; the client software in the mobile device monitors the behavior of the vehicle, the behavior of a driver of the vehicle and reports them to the coordination server, and, upon receiving a first task list from the coordination server in response, the client software subsequently presents it; the client software monitors and facilitates reporting of problems detected in the vehicle, and sends notification and alerts to the coordination server, in response to which the client software receives from the coordination server and presents to the driver, a second task list of actions to take, with instructions to execute those actions and instructions to provide completion status; and the client software monitors incomplete tasks on the first task list and the second task list, and alerts the driver if necessary.