Price motor risk on facts your actuaries trust
A VIN tells you the body, model and engine. A CarTrust check tells you whether that VIN was imported as salvage, written off in another market, clocked back, or registered to three policyholders in eighteen months. Feed that signal into your rating engine and the same premium does very different work — because the risk it is pricing is the actual risk on the road.
- Sub-second VIN lookups inside your underwriting flow
- Structured JSON payload your rating engine can score directly
- Historical evidence pack on every quote for regulator review
Risk priced on facts your actuaries can audit
Protect collateral on every auto loan
For asset finance and auto-loan books, the vehicle is the only thing standing between you and a write-off. CarTrust verifies that the collateral exists, is not stolen, has not been declared a total loss in another market, and matches the make, model and year on the application — before the funds leave your treasury.
- Origination check linked to disbursement gate in your LOS
- Periodic re-checks on the live loan book to flag status changes
- Repossession-ready documentation bundle per VIN
Collateral fraud caught at origination, not at default
Investigate claims with independent evidence
Cross-reference a claimant's narrative against an independent VIN history that they did not author. CarTrust surfaces prior accidents, mileage discrepancies, repeat claim patterns and registered-owner timelines that turn suspect claims into investigable cases — and turn legitimate ones into faster settlements.
- Per-claim history export for the loss adjuster's pack
- Stacking and ring-detection signals across your portfolio
- Tamper-evident report identifier for court evidence
Demonstrable drop in fraud signals reaching settlement
Run a clean book without disrupting the book
Drop a CSV of every VIN on cover or on loan and CarTrust runs a portfolio-wide audit in hours — not weeks. Surface stolen, exported, recalled or written-off vehicles still active in your book so risk, claims and legal can act on a prioritised list rather than a hunch.
- Portfolio sweep with prioritised action queue
- Per-renewal re-check baked into your downstream pipeline
- Configurable thresholds for non-renewal and re-pricing rules
Cleaner book, defensible non-renewal decisions