Insurance Solutions



Electronically Accessed Reunderwriting Service

E.A.R.S.® is an exception based reporting system that continually monitors auto insureds for moving violation activity and reports only those drivers with convicted citations. Carriers decide when the activity should be reported, either in the month it occurs, or prior to policy renewal. E.A.R.S.® can be customized to filter out non-moving activity and to identify major violations as soon as they are posted to the record.

Since its introduction in 1992, E.A.R.S.® has experienced tremendous growth in both capability and popularity. Many regional and national insurance companies have already experienced the financial benefits of E.A.R.S.®.

To learn more about Explore's E.A.R.S.® product or to conduct a free test, please contact us at (800) 531-9125 or This email address is being protected from spambots. You need JavaScript enabled to view it.">This email address is being protected from spambots. You need JavaScript enabled to view it..

Auto Solutions Overview

E.A.R.S.® - Electronically Accessed Reunderwriting Service
For auto underwriters looking to proactively identify high-risk drivers and enforce surcharge or tiering programs, E.A.R.S.® is an innovative reporting service that utilizes violation data provided to Explore by authorized state agencies to continuously monitor a carrier’s book of business for moving violation activity.

RiskAlert® - Undisclosed Driver Discovery Service
For personal auto underwriters looking to identify risk exposure and increase premium capture opportunities, RiskAlert® is an undisclosed youthful driver reporting service that continuously monitors state driver license files for the presence of newly licensed operators across a series of customer-defined filters.

Explore Fact Sheet

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