Motor vehicle record object model in personal auto

In personal auto, objects associated with motor vehicle records occur in three places in PolicyCenter:

  • At the system level
  • At the account level
  • At the policy level

The following illustration shows the object model for entities related to motor vehicle records at the system level. These are the entities created when the agent orders and receives an MVR report from the service provider.



Motor vehicle record order

A MVROrder is created when the agent requests an MVR report. PolicyCenter uses this order to manage the status of the request. The MVROrder contains the driver’s data requested by the service provider for processing the MVR report. PolicyCenter generates an internal request id to uniquely identify each request in the system. The ProviderRequestID field stores the request id assigned by service provider.

Motor vehicle record

The MVR entity stores the MVR report received from the service provider. The MVR entity has fields for social security number, gender, and other information identifying the driver.

Different policies, and even accounts, can use the same MVR report. This is the only full copy of the MVR report. Policies and accounts that use this MVR report contain a subset of this data.

Motor vehicle record incidents

The MVR can have one or more incidents. The MVRIncident entity represents an incident on the MVR. The incidents are grouped by MVRIncidentType and provide input to the rating engine. Incidents types include accidents, violations, convictions, warnings, among others.

Motor vehicle record licenses

The MVR entity has an array to one or more MVRLicense entities. The MVR report may contain licenses of various types, such as the primary license, a prior license, commercial license, or other type of license.

Linking motor vehicle record to account and policy records

At the system level, each MVROrder has an InternalRequestID field.

At the policy level, the PolicyDriverMVR object has a matching InternalRequestID which links it to the system level MVROrder entity.

Account level MVR data matches the MVR system data based on account search criteria. Account level MVR data matches MVR system data if the following fields have the same values:

  • LicenseNumber
  • LicenseState
  • FirstName
  • LastName
  • MiddleName
  • DateOfBirth

The gw.plugin.motorvehiclerecord.MVRSearchCriteria class defines that fields that must match.