Insurance Risk

Mitigate underwriting-related risk and lower loss ratios by pricing policies more accurately and competitively

Elevate pricing sophistication

Enhance risk segmentation and pricing accuracy within personal, commercial and life markets.

Optimize underwriting expenses

Streamline processes and mitigate risk with better data to automate quoting and underwriting.

Manage portfolios more effectively

Improve customer retention by proactively managing risk while enabling meaningful engagements.

“TransUnion Driving History has reduced our driving record costs by over 50% while delivering more accurate risk classification through the identification of high-risk driving behaviors. The solution has enabled more accurate flat extra assignment that has delivered a positive impact to our overall protective value.”

- Nick Milinovich, Senior Director of Underwriting Strategic Partnerships, Northwestern Mutual

“Occupant Insight helped us flag the 5% of new business requiring our underwriters’ hands-on attention.”

- Chris Donahue, Chief Underwriting Officer, Hippo

“TransUnion Driving History data provides us with a cost-effective alternative to motor vehicle records, improving our rate variance and quote conversion.”

- Jim Cook, COO & Co-Founder, Mile Auto

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“Thanks to the prequalification process with [Habitational Risk Score], we can assess risks more efficiently, leading to significant improvements in our loss ratios.”

- TruVision Habitational Risk Score User

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“I value working with TransUnion when we’re developing property and casualty insurance product rating and underwriting for our clients.”

- Sheri Scott, Principal and Consulting Actuary, Milliman

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“With Driving History, we’ve seen more than a 50% reduction in our driving record expenses, along with increased insight into out-of-state and prior license state violations that are not found on the traditional state Motor Vehicle Report.”

- David Pearlmutler, Chief Product Officer, Plymouth Rock Assurance

Insurance Risk product benefits

Optimize commercial, life and personal lines insurance underwriting processes with richer insights for pricing sophistication, coverage and expenses that help improve loss ratios.

Insight on financial behavior

Improve competitive positioning with solutions that enhance risk segmentation and pricing precision.

Vehicle and driver information

Inform pricing and underwriting by uncovering vehicle data, driving violations and rate evasion.

Property and occupant information

Optimize underwriting resources with products focused on identifying high-risk policies.

Risk models and scores

Model and score consumer information to reveal potential risks and triage processes.

Photo of a person inserting car keys into the lock.

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Driving History: Violation Insights to Fuel Your Business

National driving record solution with applications across the entire policy lifecycle:

Improve matching accuracy and discover out-of-state violations
Reduce MVR costs and optimize marketing expenses
Gain deeper insight into risky driving behaviors
Transform underwriting with robust violations data

Risk solutions that support end-to-end policy management

Acquire profitable customers, optimize underwriting precision and enhance portfolio performance. Our data-driven insurance risk solutions transform how you assess, price and manage risk across auto, commercial, homeowner and life insurance lines.

TruVision™ Driving History

Find more drivers with ratable violations using court record data for sharper risk assessment.

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Personal lines solutions

TruVision Trended Credit Insurance Scores

Gauge credit behavior trends over time for more accurate pricing and underwriting decisions.

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TruVision Vehicle History Score Powered by CARFAX®

Predict future loss ratio and severity using robust vehicle history information.

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TruVision Insurance Occupant Insight

Focus underwriting resources and optimize inspections beyond physical property by identifying high-risk and streamlining low-risk policies.

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TruVision Insurance Auto Insight

Combat fraud throughout the policy lifecycle by proactively detecting key, applicant-provided data discrepancies.

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Commercial lines solutions

TruVision Aggregated Driver Score

Evaluate commercial auto fleet losses and improve policy pricing using depersonalized collective driver financial behaviors.

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TruVision Commercial Habitational Risk Score

Improve pricing sophistication and profitability based on occupants' known, predictive insurance loss indicators.

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Life insurance solutions

TruVision Life Insurance Score

Accelerate underwriting and enhance risk segmentation with insights predictive of mortality and lapse.

TruVision Trended Income Estimator

Better predict a consumer’s total income for smarter decisions across the policy lifecycle.

Related Insights

Learn more about TruVision Insurance Risk products

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TruVision Insurance Risk

Mitigate underwriting-related risk and lower loss ratios by pricing policies more accurately and competitively

Elevate pricing sophistication

Optimize underwriting expenses

Manage portfolios more effectively

“Occupant Insight helped us flag the 5% of new business requiring our underwriters’ hands-on attention.”

“TransUnion Driving History data provides us with a cost-effective alternative to motor vehicle records, improving our rate variance and quote conversion.”

“Thanks to the prequalification process with [Habitational Risk Score], we can assess risks more efficiently, leading to significant improvements in our loss ratios.”

“I value working with TransUnion when we’re developing property and casualty insurance product rating and underwriting for our clients.”

“With Driving History, we’ve seen more than a 50% reduction in our driving record expenses, along with increased insight into out-of-state and prior license state violations that are not found on the traditional state Motor Vehicle Report.”

Insurance Risk product benefits

Insight on financial behavior

Vehicle and driver information

Property and occupant information

Risk models and scores

Driving History: Violation Insights to Fuel Your Business

Risk solutions that support end-to-end policy management

TruVision™ Driving History

Personal lines solutions

TruVision Trended Credit Insurance Scores

TruVision Vehicle History Score Powered by CARFAX®

TruVision Insurance Occupant Insight

TruVision Insurance Auto Insight

Commercial lines solutions

TruVision Aggregated Driver Score

TruVision Commercial Habitational Risk Score

Life insurance solutions

TruVision Life Insurance Score

TruVision Trended Income Estimator

Related Insights

Boosting Sales and Cutting Costs With Driving History

Profitability Report: Take Control With Targeted Solutions at Renewal

Q3 2025 Insurance Personal Lines Trends and Perspectives Report

Learn more about TruVision Insurance Risk products

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Solution Categories

Product Lines

Industries

Company

Support