Business Portal Help
Get the most out of the business portal with the following information
What is the range of the FAIR Score?
FAIR Score® ranges from 300-900: A stand-alone measure of fleet risk, a fleet assessment of indexed risk, has shown itself to be predictive of collision frequency ideal for assessing systemic fleet vehicle risk trends. FAIR Score brings together driver behavior, the driven environment and the performance capability of the vehicle to create a value between 300 and 900. The FAIR Score predicts the likelihood of a collision, or incident, without a weight for fault, or severity. Eight times more predictive than using a territory rating variable, the FAIR Score provides a peer-to-peer measurement for comparing inter-fleet differences.
NOTE: The FAIR Score® is NOT a Driver Score. A driver score describes the choices an individual driver makes during a trip. The FAIR Score is an absolute measure of risk for the trip, or context for the choices he or she has made. The FAIR Score provides a contextual explanation for the total risk of the fleet based on where, when, how and what they drive. An example would be a trip made on a rainy day, versus a trip on the sunny day. The driver behavior may appear to be the same yet clearly the stopping distances in the first trip (rain) are much longer than on the second trip (sunny day).
The FAIR Score provides a systemic estimate of fleet risk. The FAIR Score is updated monthly (at the end of every calendar month) for the fleet. The FAIR Score for an individual vehicle has the same range (300-900) as the fleet FAIR Score but will vary much more quickly with total miles driven. Risk of a collision depends on time of day, speed, weather conditions, total miles driven and the quality of the road. For certain roads and environmental conditions (like hail) frequency spikes with only a small change in congestion.
A FAIR Score for the fleet is the weighted average of all the vehicles in the fleet.
What's a good score?
The FAIR Score has a range of 300 - 900. Like a Credit Score, the FAIR Score above 660 are considered an average score and is the absolute minimum need at the fleet level to be considered an acceptable risk. Although some vehicles within the fleet may have a FAIR Score lower than 660, and some higher, the objective is to achieve the highest possible fleet score by operating the majority of the vehicles at safe times of the day, moderate speeds (as compared to similar weight vehicles on the same road), safe following distances (measured by comparing harsh braking events to surrounding vehicles) and on roads that have a low historic rate of collsions (see Route Safety IQ to review collision rates).
Good FAIR Score: 700 to 800
A FAIR Score in the 700-and-up range is good news for your fleet. It demonstrates a consistent pattern of driving with the flow of traffic at a safe speed and following distance. Reducing the time spent on congested roads, in slow moving traffic, especially late in the day, is a good way to move a fleet FAIR Score from average to good. You can get a good FAIR Score when operating in traffic but your vehicles must pay particular attention to following distance and not have abrupt changes in speed, or harsh braking events.
A FAIR Score of >800 is exceptional and deserves recognition. Most importantly fleets with FAIR Scores greater than 800 have driver retention rates that are >3 times the industry average.
Poor FAIR Score: 590 to 650
Although you won't necessarily have any problems getting loans with a credit report score in the high-500 to low-600 range, you'll get those loans on lenders' terms. Be ready for higher interest rates, and expect finance charges that will hit you right in the wallet. The good news is that you can build your credit score from here by monitoring your credit reports and by being responsible with your finances. Note that this range is also the lowest workable credit score range if you're shopping for auto financing.
Bad FAIR Score: <560
If your fleet FAIR Score falls below 560 and stays there over time, the experience modifier on your insurance premium will change and cost you more. Fleet FAIR Scores below 560 are commonly found on high mileage vehicles, frequently engaged in speeding and night operations. By speeding we're referring to peer-to-peer measures of speeding behavior, meaning driving faster than vehicles of similar make/model and weight. The likelihood of a collision for any vehicle with FAIR Score consistently below 560 is at least twice that of a vehicle with a FAIR Score of 660.
Miserable FAIR Score: Less than 500
At this point, your Fleet FAIR Score is telling you something about the state of your vehicles AND your driver training program. Vehicles with such a low FAIR Score need to be carefully evaluated. Purchasing vehicles with active collision avoidance systems such as automatic emergency braking systems is among the fastest method of raising such a low FAIR Score. New vehicles enter the fleet with a moderate to good FAIR Score (the policy holder gets the benefit of the doubt) and the score can then go up or down.
Does speeding impact my FAIR Score?
Speeding is the one variable in the FAIR Score that the driver has the most control over, with the possible exception of following distance (which can only be read by vision systems). Braking events can’t always be avoided (there’s no limit of stupid drivers), time of day is dictated by the customer and weather can’t always be predicted. For any vehicles with FAIR Score <660 it has been shown that even a small monetary prize works well to incentive a program which places a premium on travelling at the same speed of peer vehicles and vehicle weight
Does the FAIR Score change based on road type?
ATG's data has shown most accidents are recorded on FC2 and FC3 roads (20%) with FC4 (secondary connector) roads (11%) in second place and FC5 (10%) local roads and parking lots in third place. Only 2.1% per cent of accidents were recorded on FC1 roads (major highways). With the known exposure to collisions on FC2 and FC3 roads ten times higher for these roads than FC1 roads, it should come as natural that FAIR Scores decrease more rapidly when driving for long periods on FC2 and FC3 roads, when compared to a FC1 roads.
Two identical drivers, in identical vehicles, on dissimilar roads will earn different FAIR Scores for the same number of miles driven.
Does the FAIR Score decrease as the miles driven increase?
Mileage is the strongest variable in the FAIR Score however it does not exclusively control the outcome of the FAIR Score increase or decrease. Driving the same distance from midnight to 2am in some classes of vehicles will have significantly lower FAIR Scores than others operating from noon to 2pm. There are two reasons for this (1) a peer-to-peer comparison (comparing two identical vehicles in the same class of service) provides a time component that becomes much more severe at certain times of the day, (2) the second reason is that the number of speeders on the road (and general congestion) is lower during the middle of the day resulting in lower severity crashes overall.
What is Route Safety IQ?
Route Safety IQ is a mobile application designed for the policy holder interested in actively managing their FAIR Score. The Route Safety IQ map shows low, medium and high risk roads. The high risk roads are color coded black. These roads are >300% more dangerous than the light gray roads. It's important to note that dangerous roads for your fleet may not be classified as the most dangerous roads for another company’s fleet, provided the vehicle weights are different.
How do I load a vehicle photo?
Vehicle photos are loaded to the portal from photographs taken and VINs loaded. Submitting the pictures taken in Route Safety IQ (the application) causes the pictures to be loaded to the Business Portal.