Underwriting and Rating

TrueVIN

Better-informed auto insurance underwriting and pricing decisions are just 17 digits away.

A costly blind spot

When you issue an auto insurance policy, critical risk information can be buried deep in the vehicle identification number (VIN), and it’s not simple to extract it all. Without granular details, segmentation can lose refinement, policy rating may be inaccurate, and you could take on hidden exposure based on faulty assumptions.

Deeper vehicle insight, one digit at a time

Many insurers rely on the first 10 digits of the VIN to extract vehicle information, but with the full VIN decoded, you won’t miss out on critical features such as trim level, theft prevention devices, and advanced driver assistance systems (ADAS).

Unlock the facts

With the full, 17-digit VIN properly parsed, just knowing the year, make, and model becomes table stakes.

Price precisely

Get deeper vehicle insights, one digit at a time. With TrueVIN you can uncover critical risk information that helps segmentation and pricing refinement.

See the latest and greatest

Stay informed. With the spread of ADAS features, it’s more important than ever to have granular vehicle insights at your fingertips.

A clearer, more in-depth picture is now available

Knowing each vehicle you insure in granular detail is critical in today’s competitive personal auto market for underwriting, rating, and claims adjustment.

Features and capabilities

Granular data

With build-sheet data, TrueVIN gives access to vehicle-specific attributes such as ADAS features, and factory-installed options at a level of detail you may never have seen before.

Seamless delivery

Options for transactional or batch service via lightning-fast API delivery help you keep up with your growing book.

Turnkey integration

TrueVIN supports ISO’s new ADAS rating feature—or use it to develop your own more detailed vehicle rating factors.

Related resources

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

Webinar

TrueVIN: Deeper Vehicle Insights

Knowledge of the vehicles you insure, down to the granular details, is critical for refined segmentation.

View the TrueVIN webinar

Article

New ISO study: ADAS impact comes into focus

How will newer advanced driver assistance systems (ADAS) affect vehicle risk as insurers seek to improve rating segmentation and better align premium with risk?

Read the article