Underwriting and Rating

Coverage Verifier Auto

A new industry standard for personal auto policy history can help refine segmentation and rating. Find coverage lapses and predictive behaviors, and tailor your workflows for modern buying journeys.

Do you know your applicant’s full coverage history?

It’s a challenge to spot predictive behaviors that support new business segmentation. Holistic customer history data and actionable analytics at quote can help modernize insurance buying as you confidently assess risk and grow profitably. Do you have the deep data and IT resources to reach these goals at scale and speed?

Look past outdated coverage verification that’s stuck in the present

Coverage Verifier (CV) challenges the industry’s status quo with a proprietary structure that delivers every policy change for up to seven years—unpacking the applicant’s full transaction history in ways that no one-time snapshot can provide.

Efficient underwriting

Optimize risk selection, validate pricing tiers and discounts, and boost productivity by consolidating full policy history in one report.

Policy-level details

Get transactional detail on current and past policies for up to seven years. See coverage limits, mailing and garaging addresses, drivers, vehicles, and lapses.

Dependable prefill

Modernize buying journeys and accelerate quotes with prefill on drivers, vehicles, coverages, limits, and more.

Actionable analytics

Leverage the next evolution of CV our customers asked for, with more than 60 actionable, summarized, simple-to-consume analytics.

What if you could confidently predict future outcomes?

With CVAO, you can.

People shop constantly for auto insurance. Do you have the right data up front to quote and bind policies efficiently? Discover the power of Coverage Verifier Analytic Objects.

What if you could confidently predict future outcomes?

The future of risk segmentation

With record-setting shopping and switching, how can personal auto insurance leaders outperform the competition? Discover how next-gen policy history analytics are unlocking predictive insights at Rate Call 1 to drive profitable growth during a dynamic market.

Read the white paper

The future of risk segmentation

Features and capabilities

Unmatched data

Gain a chronological, 360-degree view of risk with granular history on policies, insureds, drivers, and vehicles for up to seven years. It’s data you can’t get elsewhere.

Next-generation analytics

Harness 60+ analytics with CV Analytic Objects (CVAO). Each attribute helps identify critical insured- and policy-level insights upfront. Unlock predictive behavioral patterns of shopping, payment and endorsement habits, and retention.

Laser-focused segmentation

Refine segmentation, sharpen underwriting and rating, and support risk development, eligibility decisions, payment requirements, and more.

Optimized expenses

Maximize underwriting efficiency when you integrate insurance-ready analytics across systems—with minimal demand on IT resources. Fuel your growth and profitability engine with diverse insights and multiple use cases to inform tailored workflows.

CV Compliance Suite

Save with our cost-effective suite: CV-ALIR^® for seamless auto liability reporting, CV-Exchange for precise lienholder/loss payee reporting, and CV-Verification as a Service (CV-VaaS™) to connect loan and coverage information for insurers and lienholders.

Related resources

Discover how rich policy details can help optimize your underwriting workflow and compliance.

White paper

Auto Policy History Analytics: The Future of Risk Segmentation

Find the right insights with CVAO—an advanced suite of analytics that optimizes underwriting, pricing, and risk assessment using up to seven years of policy data.

Download the white paper

Webinar

Auto Markets in 2025: At the Crossroads of Profit & Fairness, Hard & Soft Markets

Personal auto insurers are at the intersection of hard and soft markets. Learn about new data sources, pioneering analytics, advanced technologies, and the latest innovations to better assess risk, achieve profitable new growth, and improve returns on existing book.

View the webinar

Article

Back to the Future: Past Policies Inspire Forward-Thinking Innovation

Personal auto insurance policy history data is key to unlocking predictive behavioral patterns and modern buying experiences of the future

Read the article

Brochure

A new standard for personal auto policy history solutions

Look past outdated coverage verification solutions that are stuck in the present. Gain a chronological, 360-degree view of risk.

Download the brochure

Webinar

Personal Auto Performance: 6 Strategies to Drive Efficiencies

This webinar explores strategies to help insurers work smarter to improve rating integrity, reduce underwriting expenses, and advance digital and customer experience.

View the webinar on demand