Thank you for sharing!

Your article was successfully shared with the contacts you provided.
Driving record accuracy. Risky driving behavior is can be an indicator of a higher frequency of filing home insurance claims. (Photo: Shutterstock)

An individual’s driving record is often one of the most important variables in insurers’ rating and underwriting plans. Risky driving behavior is also correlated to a higher frequency of filing a home insurance claim and signals increased mortality rates in life insurance. State Motor Vehicle Reports (MVRs) have traditionally been viewed as the ‘gold standard’ by insurers to verify an individual’s driving record; however, MVRs can be expensive. MVRs may also lack conviction activity, which could be “costly” to insurers in terms of missed premium and unidentified risk.

However, combining MVR information with court record data provides a more comprehensive view into a person’s driving record, often filling in the gaps that can be present in MVRs alone. Incorporating court record information into a national driving record solution allows insurers to optimize their expenses, eliminating MVR orders when the driver has no infractions on their record.

Related:  Personalizing the future of auto Insurance

Want to continue reading?
Become a Free
PropertyCasualty360 Digital Reader.


  • All PropertyCasualty360.com news coverage, best practices, and in-depth analysis.
  • Educational webcasts, resources from industry leaders, and informative newsletters.
  • Other award-winning websites including BenefitsPRO.com and ThinkAdvisor.com.

Already have an account?



Join PropertyCasualty360

Don’t miss crucial news and insights you need to make informed decisions for your P&C insurance business. Join PropertyCasualty360.com now!

  • Unlimited access to PropertyCasualty360.com - your roadmap to thriving in a disrupted environment
  • Access to other award-winning ALM websites including BenefitsPRO.com, ThinkAdvisor.com and Law.com
  • Exclusive discounts on PropertyCasualty360, National Underwriter, Claims and ALM events

Already have an account? Sign In Now
Join PropertyCasualty360

Copyright © 2022 ALM Global, LLC. All Rights Reserved.