DriverRisk Guide: Violation insight to fuel your business
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1 DriverRisk Guide: Violation insight to fuel your business A national driving record solution with applications across the entire insurance policy lifecycle TransUnion LLC All Rights Reserved TransUnion LLC All Rights Reserved SHARE
2 Gain insight into your personal insurance lines of business Savvy insurance carriers constantly seek ways to improve their performance, particularly as industry profitability is constrained by rising claims frequency and severity. Our national driving record solution enables insurers to tailor their business processes based on violation data; for example, align marketing efforts with desired risk profiles, better manage expenses, improve pricing sophistication, enhance the customer experience and more. Read on to familiarize yourself with opportunities to better understand your customers and adapt strategies accordingly. TransUnion DriverRisk The DriverRisk SM solution suite delivers insight from court record violation data using our enhanced subject selection and matching expertise, and will soon include state motor vehicle reports (MVRs). Our court record-based solution offers richer and timelier information, allowing you to analyze driver violation behavior and make betterinformed decisions throughout the policy lifecycle. You ll benefit from: 336M+ court record violations and growing 1 23% MORE drivers with ratable violations than typically found by insurance carriers 1 Deeper insights into driver violation behavior than what s available solely with state motor vehicle reports Earlier discovery of violations, starting when a ticket is first issued Improved allocation of marketing and underwriting expenditures Future, seamless integration of court record violation data and state MVRs TransUnion LLC All Rights Reserved
3 Unique benefits of DriverRisk IMPROVED MATCH ACCURACY: Leverage TransUnion s consumer database to find additional violations, such as those received outside the license state or associated with a prior driver s license LOGICAL FEATURES: Several new components, such as the newly adjudicated indicator, equip customers with information to optimize their current MVR decisioning processes EASE OF USE: Our proprietary Enhanced Violation Codes assign a logical, alphanumeric value to every violation, allowing you to customize search criteria and reduce state statute maintenance MARKETING APPLICABILITY: Our non-fcra-based marketing solutions provide insurers the opportunity to tailor marketing efforts based on violation histories TransUnion LLC All Rights Reserved
4 Personal Auto Incorporate DriverRisk into your business for value throughout the policy lifecycle. DriverRisk data will enable you to manage expenses during marketing and acquisition phrases, as well as validate driving records without sacrificing underwriting and rating integrity. $6.5 BILLION The property/casualty insurance industry spends $6.5 billion on advertising annually. 2 $1.2 BILLION spent on MVR annually Insurers saved an average of 30-50% on MVR and related expenses with DriverRisk at new business. 1 Marketing and policy acquisition: Target consumers with the desired violation risk profile by customizing invitation-to-apply and prescreen campaigns through prospecting or suppression. Consequently, fine-tune direct mail and digital marketing campaigns for improved conversion. Point of quote: Populate violations into the insurance application to generate a more accurate quote earlier in the application process, decreasing the likelihood of a rate change between initial and final quotes. In addition to improving accuracy, insurance agents and applicants alike will have a faster and better experience, resulting in higher throughput and conversion. Underwriting and rating: Our solution allows you to balance your desired underwriting conservatism with expenses. If you choose to solely rely upon the state MVR, DriverRisk allows you to limit MVR orders to those drivers with a recent, ratable violation. If you choose to take action with violation activity not on the MVR, such as out-of-state violations, use DriverRisk in lieu of or in addition to the state MVR. Regardless of which customizable solution you use, you can take advantage of additional revenue surcharge opportunities and/or optimize MVR spend for improved profitability TransUnion LLC All Rights Reserved
5 Personal Property Harness the power of alternative data using traffic and criminal records to predict future homeowners losses or claims. Court record violation data has been shown to deliver value to property insurers as a proven behavioral indicator to address industry profitability challenges. Pricing: Leveraging court violation data can increase conversion and retention rates by enabling you to extend discounts to homeowners eligible for a preferred rate, while having the option to surcharge consumers with ratable traffic or criminal violations. Identifying risk early in the application process can improve both pricing sophistication and profitability. Multi-line efficiencies: As more carriers begin to implement variables traditionally used in personal automobile insurance underwriting processes, there s a growing opportunity to promote efficiencies across multiple lines of business. Homeowner insurance carriers that already order MVRs can begin using our violation data tool to optimize MVR expenditures across multiple lines of business. Underwriting: Our solution allows you to monitor for convictions to determine optimal re-underwriting frequency and provide valuable insight for new and renewal underwriting processes. 2X LIFT IMPROVEMENT by incorporating court record violation data as a behavioral rating variable 1 For information on TransUnion s DriverRisk solutions visit transunion.com/product/driverrisk or call TransUnion LLC All Rights Reserved
6 (NYSE: TRU) Information is a powerful thing. At TransUnion, we realize that. We are dedicated to finding innovative ways information can be used to help individuals make better and smarter decisions. We help uncover unique stories, trends and insights behind each data point, using historical information as well as alternative data sources. This allows a variety of markets and businesses to better manage risk and consumers to better manage their credit, personal information and identity. Today, TransUnion has a global presence in more than 30 countries and a leading presence in several international markets across North America, Africa, Latin America and Asia. Through the power of information, TransUnion is working to build stronger economies and families and safer communities worldwide. We call this Information for Good. For information on TransUnion s DriverRisk solutions visit transunion.com/product/driverrisk or call TransUnion internal analysis J.D. Power 2017 U.S. Insurance Shopping Study TransUnion LLC All Rights Reserved
DriverRisk Guide: Violation insight to fuel your business
DriverRisk Guide: Violation insight to fuel your business A national driving record solution with applications across the entire insurance policy lifecycle. 207 TransUnion LLC All Rights Reserved 7-28803
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