Auto Insurance Underwriting/Rating

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1 Auto Insurance Underwriting/Rating

2 Insurance Underwriting/Rating Variables Driver Demographics Driver History Type of Vehicle Vehicle History Auto Po olicy 1 Name: John Smith Age: 32 Gender: Male Marital Status: Single Credit Score: 680 Vehicle Garaged: Albany, NY Vehicle Use: To/from work Traffic Citations: 2 speeding tickets in last 3 yrs Reckless Driving: none Accidents: none Driver Training: yes Year: 2002 Make: Honda Model: Accord Ti Trim: EX Engine: V 6 Horsepower: 178 hp No Difference No Difference No Difference Unknown 5% of vehicle airbags are incorrectly repaired, leading to greater risk and potentially higher future claims Auto Policy 2 Name: Joe Smith Age: 32 Gender: Male Marital lstatus: t Single Credit Score: 680 Vehicle Garaged: Albany, NY Vehicle Use: To/from work Traffic Citations: 2 speeding tickets in last 3 yrs Reckless Driving: none Accidents: none Driver Training: yes Year: 2002 Make: Honda Model: Accord Trim: EX Engine: V 6 Horsepower: 178 hp Severe Accident: Airbag deployed Frame damage Frame damage indicates the vehicle s structural integrity has been compromised, leading to potentially higher future claims

3 Insurance Underwriting/Rating Process Insurance company receives an application for auto insurance either directly or through an agent Underwriting/rating system requests information to confirm and supplement the applicant information Personal & Vehicle Info Underwriting /Rating System Driver Demographics Driver History Type of Vehicle Vehicle History Info Insurance company determines insurability and premium based upon the underwriting/rating variables Do Not Insure: Elect to not insure the applicant Underwriting/Rating Decision or Score Insure & Investigate: Determine an insurance premium but refer to SIU for possible fraud Insure: Determine an insurance premium

4 Vehicle History in the Underwriting/Rating Process Underwriting S ifi V hi l Hi t /Rating Vehicle History Info Examples include: Severe Damage System Potential Damage Specific Vehicle History Ownership History Mileage Underwriting/Rating Decision or Score Do Not Insure: Elect to not insure the applicant Insure & Investigate: Determine an insurance premium but refer to SIU for possible fraud Insure: Determine an insurance premium The insurance company may elect The insurance company may elect to to not insure the applicant if the incorporate a premium surcharge or vehicle s history indicates it poses discount based on the vehicle s an undue insurance risk. history and its effect on the vehicle s insurance risk. The policy is referred to SIU when the vehicle s history does not coincide with what was reported by the applicant. The insurance company may elect to incorporate a premium surcharge or discount based on the vehicle s history and its effect on the vehicle s insurance risk.

5 CARFAX Data Sources Over 34,000 Sources of Data North America - 9 Billion Records Public sources Corporate sources DMVs Service Centers State Inspections Vehicle Auctions Emissions Centers Warranty Companies Law Enforcement Insurance Companies Federal Agencies Collision Repair Facilities Not-for-Profit Organizations Automotive Recyclers Fleet Management Co's

6 Odometer Readings HLDI Analysis of Vehicle Mileage One-year-old vehicles averaged 44 miles per day vs. 27mpd for eight-year-old vehicles Sport/Luxury vehicles averaged the lowest at 25 and 32mpd, respectively Cargo Vans/Pickups averaged 49 and 41mpd, respectively

7 Predictive Vehicle History Variables Underwriting/Rating Auto Insurers Use CARFAX for Severe Problems Title Brands Salvage Flood Fire Total Loss Severe Accidents Frame Damage Airbag Deployment Previously Stolen Potential Damage Other Accidents Frame Inspection Failed Emissions Failed Safety Inspection CARFAX Flood Advisory Ownership Info Number of Owners Registration Types Length of Ownership Odometer Info Avg Annual Mileage 2 Odometer Readings Est Current Mileage

8 Regulatory Approval By State Rating NH VT Underwriting Underwriting & Rating Underwriting & Verification WA OR ID MT WY ND SD MN WI MI NY ME MA None CA NV UT CO OK TN AZ SC NM AR AL AK LA MS GA TX NE KS IA MO IL IN OH KY WV VA PA NC MD RI CT NJ DE FL HI

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