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4:15 - 5:00 Chris CarverKim Garland


How Data-Driven Scoring Is Driving Change in Auto Underwriting


Chris Carver
President and Founder, ATG Risk Solutions

Kim Garland
SVP Standard Lines & Managing Director State Auto Labs, State Auto Insurance


Session Description

One simple-to-understand yet comprehensive metric, up to 10 times more predictive of losses than any other variable, works to assess driving risk and more accurately rate and price an auto insurance policy.  We will discuss how a contextual fleet safe-driving score, incorporating data on the vehicle and its characteristics, data on the driven environment and driving performance is derived, and how it can inform and automate underwriting, improving segmentation, selection and pricing. 



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