Abstract: A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.

Abstract: A method for underwriting an insurance policy includes sending an electronic query from an insurance company to a central vehicle operator rating agency. The method further includes receiving at the insurance company an electronic response to the query from the central vehicle operator rating agency. The response includes data maintained by the central vehicle operator rating agency with respect to a vehicle operator. The data reflects a vehicle operating record of the vehicle operator. The vehicle operating record is a collation of data concerning vehicle operation activities of the vehicle operator over a period of at least two years. The method further includes routing the received data to an underwriter in the insurance company. The underwriter determines whether to issue or renew or adjust an insurance policy that covers the vehicle operator or an employer of the vehicle operator.