Underwriting Toolbox

VIN Classification · Driver Age & Tenure · MVR Reader · IFTA Reader · Pro Rata Wheel · ILF & Layer Multipliers
VIN data: NHTSA vPIC · driver calcs run locally
Engine v4.0

VIN Entry

Paste from Excel · VIN, City, State columns in any order · City/State optional
Paste a VIN plus an optional City and State — as separate columns in any order, or as a City, State combo. State can be an abbreviation (TX) or full name (Texas). On decode, the box is tidied to VIN → City, State. Header rows, blanks and duplicates are handled automatically; messy text (emails, PDF copy-paste) also works. VINs are sent to the NHTSA vPIC decoder in batches.

Import from PDF

Text PDFs read instantly · scanned PDFs offer OCR (slower) · parsed locally in your browser · needs internet on first use
Drag & drop a PDF vehicle schedule here — or click to browse.
Every VIN found in the document is added to the VIN list above, paired with the state abbreviation detected on the same line when there is one. Review the pairs before decoding.

How it works

1. Each VIN is decoded via the public NHTSA vPIC API, returning Model Year, Make, Model, Body Class and GVWR.
2. Body Class maps to a unit Class (PPT, Truck, Tractor, Trailer, Undetermined). A blank body class is treated as a Trailer.
3. GVWR maps to a Weight Class (PPT, Light, Medium, Heavy, XHeavy).
4. Class × Weight Class resolves to a Final Determination code (PPT, LT, MT, HT, XHT, HTT, XHTT, Trailer or Undetermined) via the determination matrix, then summarized on the VIN Results tab.
5. A vehicle with an incomplete or unknown body class but a usable GVWR is classified by its weight class (PPT→PPT, Light→LT, Medium→MT, Heavy→HT, XHeavy→XHT) instead of left Undetermined — those vehicles are listed separately under Classified via GVWR so you can audit the inference.

VIN Results

No data yet — decode VINs on the VIN Entry tab.

Determination Breakdown

Composition

Location × Determination

Unit counts by city / state (falls back to state when no city is given)

Undetermined VINs

0 VIN(s) require review
VINModel YearMakeModelBody ClassGVWRCity, State

Driver Entry

Paste from Excel · fill in either or both date boxes · names optional · rows pair up line-by-line
One date per line — used to calculate age. Accepts M/D/YYYY, M/D/YY, YYYY-MM-DD. A header row is skipped automatically. Leave this box empty if you only have start dates.
One date per line — used to calculate tenure. If you fill in both boxes, keep them in the same row order (blank cells blank) so rows stay aligned. Leave this box empty if you only have dates of birth.
Optional — one name per line, in the same row order as the dates. Names appear on the watchlists, input issues, and the CSV export. Leave empty to skip.

Import from PDF

Text PDFs read instantly · scanned PDFs offer OCR (slower) · parsed locally in your browser · needs internet on first use
Drag & drop a PDF driver schedule here — or click to browse.
On each line of the document, the first date is taken as the DOB and the second as the start date (swapped automatically if out of order). Both boxes above are filled in for your review.

How it works

1. Paste whichever column(s) you have — DOB, start dates, or both. With both, line 1 of each box is the same driver, line 2 the next, and so on.
2. Age is computed from DOB and tenure from start date, as of the "Calculate as of" date (defaults to today). A driver with only one of the two simply contributes to that one statistic.
3. The Driver Results tab shows total drivers, the age-group and tenure breakdowns, and watchlists of drivers under 25 and 65 and over.
4. A row is only excluded if it has no usable date at all (or an inconsistency, like a start date before the DOB). Excluded rows are listed under Input Issues so nothing disappears silently. Tip: pasting both columns at once into the DOB box also works.

Driver Results

No data yet — enter drivers on the Driver Entry tab.

Age Breakdown

Tenure Breakdown

Drivers Under 25

RowNameDOBAgeStart DateTenure (yrs)

Drivers 65 and Over

RowNameDOBAgeStart DateTenure (yrs)

Input Issues

RowNameDOB EntryStart Date EntryIssue
Drag in MVR submission PDFs. Each driver is read and summarized — violations, accidents, suspensions, and age flags. Everything runs locally in your browser; nothing is uploaded.
Drop MVR PDF(s) here
or click to choose files
Drop IFTA filings below — a combined (multi-quarter) packet in the large box, or single-quarter filings in their quarter’s box. Everything runs locally in your browser; nothing is uploaded.
Drop COMBINED IFTA PDF(s) here
full-year or multi-quarter filings — or click to choose files
Most Recent Quarterlatest filed quarter
1st Prior Quarterone quarter back
2nd Prior Quartertwo quarters back
3rd Prior Quarterthree quarters back

Pro Rata Wheel

Short-rate & pro-rata earned factors by days elapsed · from the pro rata wheel workbook

ILF & Layer Multipliers

Increased-limit factors & layer build-up · from the ILFs and Layer Multipliers workbook
LayerPremiumIlfTotal Limit PricingLayer Multiplier

Layer Price Converter

Reprice a premium from one layer to another using the same ILF curve
Layer it's priced at
Layer to calculate