Auto Underwriting and Risk Management

 

Personal Auto

We offer a full range of products and services for personal auto insurers, including tools for underwriting and rating, fighting fraud, catastrophe management, telematics, application prefill, policy programs, and predictive analytics. Our actuarial, underwriting, and consulting services help you manage risk, reduce policy acquisition costs, improve rate classification integrity, and support your growth and retention strategies.

We provide loss histories to help you properly underwrite auto policies and estimate the level of risk — and determine what it’s likely to cost your company to issue a policy based on an applicant’s history of prior losses. Our personal auto policy-level information helps you verify coverage representations on the application and support market pricing and segmentation. You’ll also get coverage lapse and policy detail information.

Our motor vehicle reports (MVRs) give you information about traffic violations and accidents for your potential insureds — the timely and comprehensive information you need for effective auto underwriting. We offer a program that lets you monitor policyholder driving records for changes. And we offer a system to help you identify policyholder error or fraud at point of sale or point of quote.

Our mobile app helps add pricing accuracy, streamline the underwriting process, and identify fraud. Consumers and agents can use the application to conduct physical inspections and provide document images. Our claims management and fraud tools help you manage the auto claims process, and our compliance and reporting tools help you satisfy auto reporting requirements. Our suite of predictive modeling tools helps you classify, segment, and price your personal auto risks.


Products and Services

TrueVIN

Gain greater insight into the vehicles you insure. Learn how vehicles are equipped right from the factory by using the full 17-digit vehicle information number (VIN).

Driver Information and Discovery

To estimate underwriting risks accurately and calculate suitable premiums, you need complete information on all potential drivers within each policyholder household.

Driving History Solutions

Self-reported driving histories are subject to omissions that can distort a critical underwriting and rating factor.

A-PLUS Personal Lines Loss History Solutions

Understanding claims history is critical to accurate initial quoting, but to save money, many insurers delay ordering loss history data until just before bind.

Mileage Solutions

As annual mileage increases, so does loss frequency. Accurate mileage matters, but many insurers struggle to capture it.

CV-Exchange | Loss Payee, Additional Insured, and Producer Notifications

CV-Exchange helps you streamline your processes for loss payee notifications, additional-insured notifications, and producer notifications.

ISO Risk Analyzer Personal Auto

ISO Risk Analyzer Personal Auto suite of predictive models can help you achieve better segmentation by examining the interaction of hundreds of risk-specific variables to develop advisory prospective loss costs.

VINMASTER | The ISO Symbol without the VIN

Determining the proper premiums for personal auto policies can be tricky business, especially for collision and comprehensive coverages.

Advisory Prospective Loss Costs

ISO's advisory prospective loss costs are accurate projections of average future claim costs and loss-adjustment expenses — overall and by coverage, class and territory.

Circulars on ISOnet

ISO circulars deliver information on ISO filings for loss costs, rules, forms, and statistical plans.

ISO's Actuarial and Strategic Data Insights

ISO’s Actuarial Service provides the information you need to enhance your decision making and boost your productivity and profitability.

RISK:check Point of Sale | Auto Underwriting

RISK:check Point of Sale screening technology is the most advanced predictive model for underwriting available to the personal auto market today.