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LexisNexis Risk Solutions Launches First Contextual Telematics Insurance Model in U.S.

New Score Improves At-Fault Predictability, Expands into 49 States


ATLANTA, February 25, 2016 – LexisNexis® Risk Solutions announced today a new LexisNexis® Attract™ for Telematics model – the first U.S. insurance model to apply geospatial context to driving events to better understand how drivers respond in different situations. Attract for Telematics is also specifically designed to provide predictive lift, in addition to and independent of existing rating plans, and to enhance segmentation through the entire spectrum of risks, not just at the high-risk or low-risk tails. The model is now available in 49 states and the District of Columbia.

“Telematics scoring continues to evolve, and understanding the context in which drivers make different decisions is a critical next step in this evolution.  The same behaviors can mean very different things in terms of risk outcomes depending on the situation in which they occur, and getting this context right can nearly double the predictiveness of driving behavior models,” said David Lukens, Director, Telematics, LexisNexis Risk Solutions.  “It’s these insights from robust data and analytics that will drive a carrier’s actions for risk selection and help them differentiate their usage-based insurance programs in the marketplace.”

A suite of predictive models for auto insurers, Attract for Telematics scores an individual’s driving behavior across multiple vehicles, can use data from multiple data sources, and tracks vehicle usage patterns across multiple drivers. It can return those results on an individual driver, vehicle or household level.  The new model leverages geospatial data and a contextual scoring system that relies heavily on accurate GPS data, roadmaps and proprietary speed limit data, utilized in a new way.

By providing roadway context, such as location and speed limit, an insurer can distinguish between safe and unsafe driving behaviors. For example, a driver accelerating rapidly on a regular road is unsafe, but the same action taken on an expressway on-ramp is actually the only safe practice in that situation.

“...usage-based insurance helps insurance underwriters more accurately assess individual drivers and price accordingly,” wrote Ellen Carney, Principal Analyst, and Aurelie L’Hostis, Researcher, in a Forrester report.* “Don't let the device blind you to the real issue: The success of usage-based insurance depends less on the hardware than on the underwriter's ability to model risky behavior, predict losses, and set insurance premiums.” 

 *Forrester: Telematics Will Disrupt The Car Insurance Industry, April 2015

About LexisNexis Risk Solutions
At LexisNexis Risk Solutions, we believe in the power of data and advanced analytics for better risk management. With over 40 years of expertise, we are the trusted data analytics provider for organizations seeking actionable insights to manage risks and improve results while upholding the highest standards for security and privacy. Headquartered in metro Atlanta USA, LexisNexis Risk Solutions serves customers in more than 100 countries and is part of RELX Group, a global provider of information and analytics for professional and business customers across industries. For more information, please visit

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