Driver Basics
What is the primary purpose of a DASH Driver Report?
To summarize a driver’s insurance history, claims, and policies
What section of the DASH report lists accident and loss details?
The Claims section
What does “Active” mean beside a policy on the DASH report?
The policy is currently in force
What does “At-Fault 0%” mean?
The driver was not responsible for the loss
What does “TP” stand for on a DASH claim?
Third Party
Which provinces appear on the DASH reports provided?
Nova Scotia and Newfoundland & Labrador
If a claim shows “$0 paid,” what does this usually indicate?
A reported claim with no payout or withdrawn/closed loss
What does “Overlap” indicate on policy history?
Multiple policies existed during the same time period
What does “At-Fault 100%” indicate?
The driver was fully responsible
What does “CM” mean?
Collision / Comprehensive (context-dependent)
Where can you find the total number of claims on a DASH report?
In the summary section at the top of the report
How many claims appear in the Nova Scotia driver’s DASH report?
Multiple claims across several years (more than 5)
Which insurer appears most frequently on the reports?
Intact Insurance / Unifund (depending on report)
Where is fault percentage listed on the DASH?
In the individual claim details
What does “DCPD” cover?
Damage to your vehicle when another party is at fault
What does “Years Licensed” indicate on a DASH report?
How long the driver has held a valid driver’s licence
What information helps determine claim severity on the DASH?
Total loss amount and claim type
Where do you find vehicle details tied to each policy?
Under each policy entry in the report pages
Why is fault more important than claim amount for rating?
Fault affects premium and eligibility
Where can you find coverage types used for a claim?
In the claim detail section
A DASH report shows a long licensing history, no gaps in coverage, and multiple insurers over time.
What single DASH indicator most strongly predicts higher future loss risk despite these “good” basics, and why?
Claim frequency, because underwriting prioritizes loss behavior over tenure — long licensing and continuous insurance do not offset repeated claims.
A driver has multiple historical claims, several with $0 paid and all marked closed.
Why must these claims still be disclosed and considered by underwriting?
Because claim occurrence matters more than payout, and frequency indicates exposure even when no indemnity was paid.
A DASH report shows multiple policies listed as “OVERLAP” with different insurers.
What is the primary underwriting concern raised by this pattern?
Potential material misrepresentation or dual insurance, which raises questions about disclosure accuracy, cancellations, or insurer shopping.
A claim is marked 0% at-fault, but includes third-party involvement and a payout under liability coverage.
Why can this still impact underwriting even if it does not affect rating? Can a not-at-fault claim still impact underwriting?
Because fault governs rating, but claim context and frequency govern underwriting eligibility.
A DASH claim is coded DCPD / TP, shows $0 paid, occurred outside Ontario, and the driver is now being quoted in Ontario.
How must this claim be treated, and what is the biggest advisor mistake to avoid?
Rating: Treat as not-at-fault
Underwriting: Must still be disclosed and reviewed for frequency
Biggest mistake: Applying Ontario DCPD logic to a non-Ontario loss or ignoring the claim due to $0 payout