nsurance carriers are, of course, faced with a myriad of challenges they must consider when looking to integrate new or enhanced data into their existing systems, including… Maintaining profitability Enhancing the accuracy in a slow-growth market of risk categori†ation Improving speed Updating legacy systems to quote ‡ moderni†ing data infrastructure Modernizing processes in commercial underwriting However, the question must be asked if the added risk exposure in maintaining business-as-usual processes outweighs the growing pains of moving to more accurate, data-driven technologies and processes. One key data element for accurately underwriting a commercial vehicle is the Original Cost ew OC. oday, many commercial insurance carriers rely on ehicle dentification umber  decoding as a primary way to obtain a vehicle s OC. ­hen a manufacturer assigns a  to a commercial truck, the  contains many critical details about that truck, including its manufacturer, model, year, trim, ma€or components, and weight. ‚dditionally, the  reveals if the vehicle was “complete” or “incomplete” when it left the factory. Price Digests • Reducing Commercial Auto Risk Exposure • pricedigests.com • 3