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Driving Behavior 360

LexisNexis® Driving Behavior 360

Confidently manage risk with a 360-degree view of driving behavior

A Sharper Lens on Driving Behavior

Auto insurers rely on violation data to assess driving risk. In today’s highly competitive market, an incomplete view of driving behavior can lead to missed segmentation opportunities and impact future loss costs. Short-term savings that come from ordering limited data reports can have long-term consequences.

LexisNexis® Driving Behavior 360 combines information from multiple sources of traffic violation data into a single view of driving behavior via our streamlined insurance platform, helping you reduce complexity, accelerate implementation and drive innovation.

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Driving Behavior 360 captures up to 16% more violations compared to Department of Motor Vehicle (DMV) reports alone.¹

Uncover Additional Driving Violations

Driving Behavior 360 analyzes and combines additional violation information from court records and other disparate data sources and delivers them appended to the Motor Vehicle Report (MVR) within a single, standard driving behavior report. With a more complete understanding of a driver’s risk profile, you can better maintain price to risk and mitigate hidden risks that could negatively impact profitability in the future.

Drivers with two or more violations are 50-70% more likely to have a claim than drivers with no violations.¹

  • Identify missing violations that may not appear on a single data source
  • Optimize underwriting budgets by investing in a more comprehensive solution
  • Improve loss ratios across the country with more enhanced segmentation
A Sharper Lens on Driving Behavior

Extract More Value from Your Violation Data

Driving violation insights are excellent indicators of potential future risk. Therefore, make sure that you utilize all of your insights to their fullest extent. We can show you how to optimize violation attributes and advanced modeling scores to unlock additional segmentation value.

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In a recent study of a top 10 auto insurer, we found that driver records isolated to only court documents disclosed 39% fewer driver violations than when combined with MVRs.1

Without a clear view of risk, you may acquire or retain customers who are not properly underwritten, which can increase loss costs. In this blog post, we examine the reasons why critical violation data may be missing from MVRs.

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Each state places different values on violations, creating a complex and disparate set of data points. We do the work for you to help ensure that a violation looks the same across every single state. 

LexisNexis® Standard Violation Codes (SVC™) present violation data in a single, consistent format. With 592 unique codes covering more than four million violations, SVC translates state-level motor vehicle data and proprietary LexisNexis® Risk Solutions violation data into rich insights that help insurers: 

  • Accelerate underwriting decisions
  • Reduce manual review and interpretation errors
  • Maintain compliance with evolving state and federal standards
  • Gain deeper insights into driver behavior and risk profiles

Driving behavior has changed dramatically over the past few years. Without Driving Behavior 360, you could be missing driving intelligence that helps enable you to match price to risk with a higher degree of accuracy. A consistent strategy using Driving Behavior 360 at both new business and renewal can help identify red flags that you might otherwise miss.

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¹ Source: LexisNexis® Risk Solutions Internal Study, 2025

Additional Resources

White Paper

U.S. Auto Insurance Trends Report

Benchmark future rating decisions with today's trend data. Get key insights for sustaining profitability and navigating market challenges.
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Auto Insurance Renewal Solutions

Identify undeisclosed drivers, missing violations and undetected claims to help take control of risks at renewal.
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Auto Trends Report 2023
White Paper

Take Control of Driving Risk Changes

Find out which driving violations have the most impacct on predicting future risk.
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