Automobile Insurance

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).

OneXperience provides inspection options so insurance carriers can engage digitally with customers to obtain quick, cost-effective access to accurate, current property risk data.

Understanding claims history is critical to accurate initial quoting, but to save money, many insurers delay ordering loss history data until just before bind. Verisk can deliver customizable loss history options at point of quote to help optimize expenses.

ISO Risk Analyzer® is a suite of predictive models to help personal and commercial insurers classify, segment, and price insurance risks. The modules predict expected losses at a refined level according to each risk’s characteristic.

ISO Risk Analyzer Commercial Auto leverages granular data and predictive modeling tools to assist insurers in underwriting, rating, and enhancing preexisting analytics through examining the interaction of hundreds of risk-specific variables.

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.

Determining the proper premiums for personal auto policies can be tricky business, especially for collision and comprehensive coverages. But it doesn't have to be. With ISO's VINMASTER and your software, you can quickly and easily identify an automobile's current ISO Vehicle Series Rating Symbol without knowing its VIN.

ISO’s Personal Auto Physical Damage Rating Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series and each model year. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for individual comprehensive and collision policies.

ISO’s Liability and PIP/Medical Payments (LPMP) Symbols are codes that indicate the relative risk of loss for each private passenger vehicle series. Each Symbol has a corresponding Symbol relativity, or factor, that you can use to develop premiums for liability and PIP/medical payment coverage.

To calculate suitable premiums for automobile risks, you need complete and accurate information about the vehicles that your policyholders drive. But a policyholder who buys a used car may not know that it was previously junked, salvaged, or flooded.

Designed for use over the commercial general liability (CGL) and commercial auto policies, the ISO Commercial Umbrella Program includes policy forms, endorsements, and rules. The program also works over the garage or businessowners (BOP) policies.

Verisk's Commercial Fleet Survey gives you on-site underwriting information about fleets of all sizes, helping you identify areas of loss you may have overlooked.

Auto liability insurance reporting requirements (ALIR) are a compliance expenditure with ever-changing, state-specific demands and little return for insurers. CV-ALIR is a cost-efficient, once-and-done way to meet your ALIR obligations, free up valuable resources, and get off the compliance treadmill.

RISK:check Renewal is a sophisticated system that can help you uncover flaws in rating data quickly and efficiently. It helps you correct costly errors and restore profitability to your auto book of business.