A method and apparatus for determining a distance traveled by a vehicle for the purpose of assessing and settling a road usage charge allows a mobile device to determine distance traveled with a vehicle while paired with a PAN transceiver of the vehicle by using GPS location information. The mobile device can also capture odometer images that are reported to a system that processes the images to obtain the odometer values and find the difference between the odometer values. Once the actual distance traveled by the vehicle is determined by the system, a road usage charge can be determined. Fuel excise taxes paid by the vehicle operator for fuel used by the vehicle can be subtracted from the road usage charge to determine a road usage settlement amount that can be paid from, or refunded to a financial account associated with the vehicle.