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.

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.