Underwriting and Rating

Driving History Solutions

Optimize MVR expenses. Access innovative and affordable tools for personal and commercial auto insurance insights. Continuously monitor driving violation updates.

A transformative solution for one of the costliest aspects of auto insurance underwriting

Inadequate pricing for violations and accidents accounts for $4.1 billion in annual premium leakage for personal auto insurers.¹ With risky driving behaviors increasing,² motor vehicle reports (MVRs) are a critical but costly data source. The national average MVR fee has risen more than 25 percent over the past decade, now surpassing $11.³

Understand a driver’s violation history to inform more profitable underwriting

Reduce premium leakage and improve rating accuracy throughout the policy life cycle with the innovative tools offered by Driving History Solutions

Track safety

Analyze broad driving violation data across multiple use cases with historical and newer, innovative data elements for personal and commercial auto insurance.

Price precisely

Maintain risk-based pricing at quote, bind, and renewal to fit your underwriting appetite using superior insights. Move seamlessly between hard and soft market approaches.

Optimize expenses

Leverage an innovative, cost-effective indicator to flag violations or incidents that trigger an MVR order—or to skip the MVR if it’s unnecessary.

Streamline compliance

Harness Verisk's decades of experience in capturing violation risk data, plus rule and loss cost filings in all states as part of the ISO Personal Auto Plan.

Experience the future of monitoring

Continuously track updates to driving infractions and harness advanced analytics, informed by court records and diverse public data sources.

As MVR fees increase, Verisk expands violation risk capabilities

Recent enhancements to violation risk capabilities can help position insurers for success.

Read the article

As MVR fees increase, Verisk expands violation risk capabilities

Features and capabilities

Verisk’s full complement of driving history tools can help you tackle a difficult challenge.

Unmatched data

Access comprehensive coverage across 51 U.S. jurisdictions plus 4 Canadian provinces and benefit from enhancements and monitoring fueled by 2B+ court records and 300M+ crash reports available through Verisk's Public Records Intelligence™.

Gain driver risk insights via motor vehicle reports (MVRs)

Drive accuracy, insight, safety, speed, and efficiency with timely, standardized MVR delivery via API or the ExpressNet portal—individually or via batch file—plus proprietary analytics and dedicated support.

Optimize expenses with insurance-ready analytics

Save up to 35 percent on MVR spend with a cost-efficient driving-risk indicator that helps determine when to order an MVR—available in 40+ states with customized lookback periods and geographies for new business and renewal.

Stay on top of emerging risk with Driver Monitoring

Identify timely surcharges or cancel high-risk policies with ongoing violation monitoring, providing midterm reports on adverse activity or suspensions as needed and where allowed by law.

Fulfill compliance and recordkeeping obligations

Streamline Fair Credit Reporting Act (FCRA) customer dispute processes by working with an industry leader that provides compliant data and services for your customer through any FCRA dispute inquiries.

Modernize auto insurance buying experiences—upfront

Enable your customers to receive more accurate quotes by easily integrating data-forward violation analytics. Automate tailored workflows, boost conversion rates, and drive profitable growth via our LightSpeed® platform.

Related resources

Stay in the know about important industry trends and innovative solutions.

Article

As MVR fees increase, Verisk expands violation risk capabilities

A new Verisk analysis finds the national average motor vehicle report (MVR) fee has risen to $10.65 and increased more than 25 percent over the past decade.

Read the article

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

White paper

Innovation Strategies for Auto Insurance Underwriting

This paper explores strategies for moving innovation forward in auto underwriting.

Read the white paper

Brochure

Motor Vehicle Reports: Balancing the Expense and the Need (Personal Auto)

Driving history solutions can be a significant investment, but insurers that don’t fully use these tools may overlook opportunities to capture missing or lost premium, realize savings, and free up valuable resources. Verisk offers many options to meet the price point and goals your company is looking to achieve.

Download the brochure

Brochure

Motor Vehicle Reports: Balancing the Expense and the Need (Commercial)

Insurance buyers are increasingly influenced by fast, on-demand experiences, so stay ahead with strategies for a fast-paced world. Insurers that don’t take advantage of the latest innovations may overlook opportunities to capture missing or lost premium, realize savings, and free up valuable resources.

Download the brochure

Webinar

Court Record Data: Innovative Use Cases for Auto Insurers

Personal and commercial auto insurers are searching for innovations in risk identification, cost-effective underwriting, and strategies to help achieve profitable growth.

View the webinar on demand

Do more with the Verisk ecosystem

Future-proof your business with a partner that puts you in the driver’s seat.

Comparing Auto Insurance Quotes On Tablet

Coverage history and details

Gain a chronological, 360-degree view of risk, unlock predictive behavioral patterns, and discover multiple use cases.

Learn about Coverage Verifier

Modernized, data-forward quoting

Accelerate data-forward quoting and modernize buying journeys to keep more business in the pipeline and boost conversion rates.

Learn about LightSpeed Personal Auto

Public records insights

Upgrade your MVR solution with more than 2 billion court records and over 100 million crash records for a clearer picture of driver risk.

Learn about Public Records Intelligence

Screen Data Reflecting On Persons Glasses

Rating integrity at every stage

Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.

Learn about the RISK:check Suite

Loss history innovations

Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.

Learn about A-PLUS

Simplified compliance

Gain efficiency and security by outsourcing compliance for DMVs, lienholders, loss payees, and updates that impact loan and coverage verification.

Learn about CV Services

Contact us to learn more

We are available Monday through Friday, 7 a.m. — 8 p.m. US Eastern Time:

Chat now

Note that password resets and user information are not available through Live Chat or Email. Instead, please call the main toll-free number below.

Main toll-free:

1-800-888-4476

Global toll-free:

International Access code, then 800 48977489
When calling from the UK, please dial 00 800 4897 7489

Select sales or support

First Name

Last Name

Business Email

Company

Title

Country

How can we help you?

¹_{Updated 2022 estimate based on Coalition Against Insurance Fraud’s The Impact of Insurance Fraud on the U.S. Economy, pages 23-26, applying overall annual premium leakage increase to Verisk’s estimate from The Challenge of Auto Insurance Premium Leakage, 2017.}

²_{Early Estimate of Motor Vehicle Fatalities for the First Quarter of 2023, U.S. Department of Transportation and National Highway Safety Administration, June 2023; traffic fatalities reached a 20-year high in early 2022, and although the rate per 100 million vehicle miles traveled has declined, it remains almost 20 percent higher than the pre-pandemic 2019 baseline.}

³_{As MVR Fees Increase, Verisk Expands Violation Risk Capabilities, Verisk’s Visualize, July 14, 2023, includes the latest MVR fee increase through February 2024.}