Underwriting workbench

Underwrite a driver file

Pick a file and the rulebook to judge it by. Remove any record or any event and the file is re-underwritten from scratch; an independent recompute prices every change before the engine runs.

10 of 10 engine checks holdrecord DQ-878F-2165

Driver file

Guideline

Severity scale

Driver B-2207 · Six years, a cluster of recent moving violations and a brake out-of-service order 11 months ago. The following-too-closely stop appears on both the PSP and the MVR and is scored once. Edit this file

Manual reviewAn underwriter or safety manager decides

Set by: Out-of-service order 11 months ago (Guideline carrier-hiring v3.2)

Carrier hiring standard v3.2 · effective 2026-01-01 (in force) · SMS 1-10 severity

Rules that fired (3)

Guideline

Manual reviewSets the outcome
Out-of-service order 11 months ago
1 out-of-service order within 24 months. Needs a documented root cause before dispatch.
Guideline carrier-hiring v3.2
Manual review
1 crash within 36 months not ruled non-preventable
A crash record is a report of an event, not a finding of fault. Crashes determined not preventable do not count.
Guideline carrier-hiring v3.2

Risk score

Manual review
Risk index 53, in the review band (30-64)
Enough recent, weighted history to need an underwriter's judgement.
Guideline carrier-hiring v3.2

What if a record were missing?

A file cannot be decided without all four. Switch one off to see the law layer hold the file and the ledger lose its rows.

CDLIS license check

Status, class, endorsements, medical certification

Motor vehicle record

State convictions and license actions

PSP report

5-year crashes, 3-year roadside inspections

Clearinghouse query

Drug and alcohol program status

Reason ledger

5 events on file, 5 scored. Points = severity x time weight.

45 pts

Event	Record	Category	Age	Sev	x Wt	Pts
minor conviction	MVR	Unsafe Driving	3 mo	4	3	12
minor conviction	MVR	Unsafe Driving	20 mo	5	1	5
392.2FC · 49 CFR 392.2	PSP + MVR	Unsafe Driving	5 mo	5	3	15
393.47 · 49 CFR 393.47	PSP	Vehicle Maintenance	11 mo	6*	2	12
PSP crash record (MCMIS)	PSP	Crash Indicator	22 mo	1	1	1
Total risk points						45

12
MVRUnsafe Driving3 mo · sev 4 x 3
5
MVRUnsafe Driving20 mo · sev 5 x 1
15
PSP + MVRUnsafe Driving5 mo · sev 5 x 3
12
PSPVehicle Maintenance11 mo · sev 6* x 2
1
PSPCrash Indicator22 mo · sev 1 x 1
Total risk points45

* put the driver or vehicle out of service. Tap an event for how its points were computed.

How the index is computed

index = round(100 x (1 - e^(-45 / 60))) = 53

The curve rises fast for the first events and flattens, so no file pins at 100. N = 60 on the 1-10 scale and 20 on the 1-2 scale is a calibration constant chosen so both scales land in comparable bands. It is not fitted to crash outcomes and it is not an FMCSA percentile. The bands (30 and 65) come from the guideline.

Engine checks on this input

✓ Line items, categories and total agree✓ Same input, same output✓ Independent recompute matches the total✓ Every what-if matches the independent prediction✓ Removing a violation never raises the total✓ One inspection adds at most 30 severity per category✓ Nothing older than 24 months scores✓ Every weight matches the reference catalog✓ An event on two records is scored once✓ Non-preventable crashes score zero

Each check compares the engine with something it does not control: an independent recompute, the reference catalogs or the raw record. Run the mutation tests