Ask the Underwriter: How Does Driver Quality Affect Underwriting Decisions

  Great West Casualty Company’s underwriting guidelines are developed using data from industry studies and evaluating the MVRs of drivers involved in claims. American Transportation Research Institute, for example, conducted a study that found a reckless driving violation increases a driver’s crash risk by 325%. An improper turn increases crash risk by 105% and excessive speeding increases crash risk by 56%. Factors such as these, as well as years of experience and crash history, can all impact an Underwriter’s decision to insure a particular driver.