DriverRisk Assessment Tools

Optimize Motor Vehicle Records (MVR) spending by limiting MVR orders to drivers with ratable driving violations

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Leverage DriverRisk and court record data to validate driving records and assess risks

Auto carriers spend 60% of their underwriting expenses—about $1.2 billion annually—validating driving records with Motor Vehicle Reports (MVRs), but much of this expense appears unnecessary. With TransUnion DriverRiskSM, you can identify drivers with actionable violations, tickets, and citations, so that you only order MVRs when you really need them. DriverRisk analyzes court record data, which allows you to quickly and efficiently optimize your MVR spend and find additional surcharge opportunities.

New Business

Flag drivers with actionable violations meeting your specific criteria, allowing you to order an MVR or DriverRisk Detail Report only when necessary.

  • Optimize costs and selectively order MVRs
  • Prefill insurance applications with driving violations
  • Decrease adverse selection and improve quote accuracy if you're using a predictor model or limiting MVR reviews


Review up to 100% of your renewal book and order a Motor Vehicle Records or DriverRisk Detail Report only when the policyholder has recent, actionable violations.

  • Optimize MVR expenditure while identifying driving-violation activity for renewal business
  • Increase surcharge opportunities for higher revenue and improved profitability
  • Identify the ideal re-underwriting frequency for your book
  • Optimize overall Motor Vehicle Records expenditure

  • Define actionable violations, citations, and tickets used for Alert or Detail

  • Improve the carrier/agent workflow and customer experience

  • Receive a minimum of three years of driving history for all states in production

  • Customize the solution to align with your underwriting and/or rating plan objectives

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