Explainers
Risk explainers and methodology context
These explainers answer the "why" behind AutoRiskIQ signals using public, regulator-grade inputs and neutral methodology.
Why claim friction varies by state
LiveHow regulatory posture, complaint patterns, and legal context shape claim resolution friction.
How repair cost pressure drives premium volatility
LiveLabor, parts, and replacement costs compound into higher loss pressure over time.
Weather volatility and loss pressure in auto insurance
LiveHow localized weather patterns influence claim frequency and severity.
Accident exposure vs. crash severity: why both matter
LiveTraffic exposure drives frequency; severity shifts the loss profile.
Theft and fraud exposure: how it affects claims
LiveHigher theft and fraud exposure increases claim complexity and loss pressure.
How AutoRiskIQ normalizes public data for fair comparisons
LiveWhy normalization matters and how we keep location scores comparable.