1 | © 2017 TransUnion LLC All Rights Reserved | 17-218803

DriverRisk Guide: Violation insight to fuel your businessA national driving record solution with applications across the entire insurance policy lifecycle.

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Gain insight into your commercial auto insurance businessSavvy insurance carriers constantly seek ways to improve performance, particularly as industry profitability is constrained by increased 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 DriverRiskThe DriverRiskSM 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 better-informed decisions throughout the policy lifecycle. You’ll benefit from:

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 underwriting expenditures

Future, seamless integration of court record violation data

and state MVRs

336M+court record violations and growing1

23% MOREdrivers with ratable violations than typically found by insurance carriers1

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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

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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.

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.

Commercial AutoIncorporate DriverRisk into your new and renewal business process. At application, DriverRisk data will allow you to validate driving records without sacrificing underwriting and rating integrity, as well as monitor existing policies for drivers with violation activity.

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(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.

1 TransUnion internal analysis 20162 J.D. Power 2017 U.S. Insurance Shopping Study

For information on TransUnion’s DriverRisk solutions – visit transunion.com/product/driverrisk or call 866-922-2100.

https://www.transunion.com/product/driverrisk