The Hartford's Personal Lines AGENT eNewsletter


 New Underwriting Program Helps Identify Undisclosed Operators
Program will help you and your insureds ensure all ratable drivers are included
on auto policies, limiting your customers’ exposures.

Background
The Hartford’s Personal Lines Underwriting recently conducted a pilot focused on identifying undisclosed operators. The pilot has delivered significant benefits in assisting our agent partners and valued policyholders remain up-to-date on their changing insurance needs. Nearly 25% of households identified in the pilot were found to have drivers who would meet the definition of a ratable driver. After discussions with our named insureds and agents, many of these recently licensed drivers were added to the policy.

Based on these results, Personal Lines Underwriting will initiate an ongoing monitoring program that will allow us to identify recently licensed drivers within an insured household. This program will rely on the use of information provided to us through vendor risk programs using a compilation of public information provided by state departments of motor vehicles and licensing bureaus.

The New Underwriting Program
Partnering with Explore Risk Alert, The Hartford will receive ongoing notification of recently licensed drivers residing in our policyholders’ household.

  • Upon receipt of this information, our Renewal Underwriting team will review the customer service file for prior documentation explaining why the driver is not currently listed on the policy.
     

  • If no explanation is found, the Renewal Underwriter will contact the agent directly to develop the driver exposure using our existing standards and procedures.
     

  • Once completed, we will clearly document the insureds’ file and send them a letter (with a copy to the agent) confirming the driver addition. The letter will be accompanied by a Notice of Adverse Action (NOAA), which will identify Explore as the supplier of the driver information.

Who will be included?
This countrywide effort will launch as an initial look-back of our in force business. Once our initial look-back has been completed, we will monitor renewals ongoing as part of our continuous renewal underwriting programs.

Should you have questions or feedback regarding this initiative, please do not hesitate to contact your Hartford Personal Lines Underwriter.