Purpose-Built Workflows for Physical Damage

VIN Decoding

Automatically decode VINs to populate vehicle specs, reducing manual entry.

Upload and manage vehicle/driver lists from Excel or direct entry. Track history and endorsements.

Capture custom fields like radius of operation, route maps, or fleet type.

Rate per-vehicle or based on fleet-level factors (e.g., safety score, loss history).

Produce full quote packets per vehicle or per fleet, with cover letters and schedule exports.

Supported Lines of Business

You can apply vehicle-level, driver-level, and cargo-specific rules to customize underwriting for Physical Damage programs.

Yes. Expert Insured can generate MCS-90, BMC-91X, ID cards, and required filings for Physical Damage policies.

Absolutely. VINs, garaging ZIPs, driver data, and coverage schedules can be uploaded and updated for Physical Damage.

The system includes DOT lookups, safety scoring logic, and underwriting flags for Physical Damage submissions.

COIs, dec pages, driver rosters, and loss control summaries are generated based on your Physical Damage workflow.