Underwriting / Rating Files

CARFAX Vehicle History Data has consistently shown lift in insurers' loss ratio analyses. We offer several proprietary data fields to enhance your auto underwriting and rating results, including:

CARFAX makes it easy to check the history of every vehicle involved in an auto claim with:

  • Severe Problem File - past events that may have compromised a vehicle's structural integrity
  • Potential Damage File - prior damage that may not have been repaired
  • Ownership History File - the number of title transactions and the current owner's length of ownership
  • Ownership Type File - commercial vs. personal registrations
  • Annual Mileage File - estimated annual mileage driven based upon actual odometer readings
  • Potential Fraud File - rate evasion flags to help you identify fraud

CARFAX makes it easy to check the history of every vehicle at policy application, inception, or renewal with:

  • Real-time responses for single VIN submission or batch processing
  • Submit your policy number with the VIN and have it returned with the results
  • XML data format easily integrates into any software system
  • One installation can serve an entire company across multiple departments
  • Cost effective: pay significantly less per VIN than our standard Vehicle History Report
  • CARFAX expertise and support to assist in implementation and usage

Contact us at 800-789-6232 to learn more about what CARFAX can do for you.