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.
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.
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Do more with the Verisk ecosystem
Future-proof your business with a partner that puts you in the driver’s seat.
Coverage history and details
Gain a chronological, 360-degree view of risk, unlock predictive behavioral patterns, and discover multiple use cases.
Modernized, data-forward quoting
Accelerate data-forward quoting and modernize buying journeys to keep more business in the pipeline and boost conversion rates.
Public records insights
Upgrade your MVR solution with more than 2 billion court records and over 300 million crash records for a clearer picture of driver risk.
Rating integrity at every stage
Harness data-driven analytics to detect fraud and take on premium leakage across the policy life cycle.
Loss history innovations
Achieve precise and optimized quotes by integrating claims data upfront, plus a new crash report enhancement for auto.
Contact us to learn more
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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.