4 Ways to Use Predictive Analytics to Improve Underwriting Accuracy

At Eprezto I used a predictive analytics model that analyzes user-submitted vehicle photos to detect damage and flag insurability during online onboarding. We integrated that model into the purchase flow so customers could complete coverage without an in-person inspection. The vehicle photos were the most valuable data source because they directly captured condition at application time and fed the model's risk signals. Relying on those photo-derived signals reduced manual inspection needs, improved decision accuracy, and sped up processing while keeping humans in the loop for ambiguous cases.