{"id":448,"date":"2022-07-11T11:17:57","date_gmt":"2022-07-11T11:17:57","guid":{"rendered":"https:\/\/test.veracityid.com\/new\/?page_id=448"},"modified":"2022-10-27T10:40:44","modified_gmt":"2022-10-27T10:40:44","slug":"idnopay","status":"publish","type":"page","link":"https:\/\/test.veracityid.com\/new\/services\/idnopay\/","title":{"rendered":"idNoPay"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"448\" class=\"elementor elementor-448\">\n\t\t\t\t\t\t\t<div class=\"elementor-element elementor-element-b744202 e-container--row e-container\" data-id=\"b744202\" data-element_type=\"container\">\t\t<div class=\"elementor-element elementor-element-b148c2f e-container--column e-container\" data-id=\"b148c2f\" data-element_type=\"container\">\t\t<div class=\"elementor-element elementor-element-2a8e165 idf-sticky e-container--column e-container\" data-id=\"2a8e165\" data-element_type=\"container\">\t\t\t\t<div class=\"elementor-element elementor-element-ff5cb8c elementor-widget elementor-widget-wp-widget-nav_menu\" data-id=\"ff5cb8c\" data-element_type=\"widget\" data-widget_type=\"wp-widget-nav_menu.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h5>idFusion Tools<\/h5><div class=\"menu-tools-in-page-container\"><ul id=\"menu-tools-in-page\" class=\"menu\"><li class=\"idf-title-item menu-item menu-item-type-custom menu-item-object-custom menu-item-776\"><a href=\"#none\">Risk Analysis Services<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-482\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idrulebuilder\/\">IdRuleBuilder<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-775\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idquotemonitor\/\">idQuoteMonitor<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-486\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idnopay\/\">idNoPay<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-1515\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/trustmark-risk-score\/\">TrustMark Risk Score<\/a><\/li>\n<li class=\"idf-title-item menu-item menu-item-type-custom menu-item-object-custom menu-item-780\"><a href=\"#none\">Productivity Services<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-782\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/iddamagedetect\/\">idDamageDetect<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-480\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/iddocreader\/\">idDocReader<\/a><\/li>\n<li class=\"idf-title-item menu-item menu-item-type-custom menu-item-object-custom menu-item-778\"><a href=\"#none\">Data Capture Services<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-487\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idmobile\/\">idMobile<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-484\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idgetdata\/\">idGetData<\/a><\/li>\n<li class=\"idf-title-item menu-item menu-item-type-custom menu-item-object-custom menu-item-777\"><a href=\"#none\">End User Services<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-477\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idanalyze\/\">idAnalyze<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-485\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idnetwork\/\">idNetwork<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-478\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idworkbench\/\">idWorkbench<\/a><\/li>\n<li class=\"idf-title-item menu-item menu-item-type-custom menu-item-object-custom menu-item-779\"><a href=\"#none\">Intervention Services<\/a><\/li>\n<li class=\"menu-item menu-item-type-post_type menu-item-object-page menu-item-481\"><a href=\"https:\/\/test.veracityid.com\/new\/services\/idresolve\/\">IdResolve<\/a><\/li>\n<\/ul><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div><div class=\"elementor-element elementor-element-bd5014d e-container--column e-container\" data-id=\"bd5014d\" data-element_type=\"container\">\t\t\t\t<div class=\"elementor-element elementor-element-37a78d9 elementor-widget elementor-widget-text-editor\" data-id=\"37a78d9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#818a91;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#818a91;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<h4>What is idNoPay?<span style=\"font-weight: 400;\">\u00a0<\/span><\/h4><p><span style=\"font-weight: 400;\">idNoPay is a cloud service that identifies applications with listed drivers who have unpaid premium balances left over from prior policies.\u00a0 When such an application is discovered, issuance is blocked until the applicant satisfies the underwriting criteria set by the carrier.\u00a0 Typically this would require that the applicant pay the unpaid balance or acquire approval from an underwriter.<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c8e32f elementor-widget elementor-widget-image\" data-id=\"3c8e32f\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-widget-image{text-align:center}.elementor-widget-image a{display:inline-block}.elementor-widget-image a img[src$=\".svg\"]{width:48px}.elementor-widget-image img{vertical-align:middle;display:inline-block}<\/style>\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1000\" height=\"667\" src=\"https:\/\/test.veracityid.com\/new\/wp-content\/uploads\/2022\/10\/nabeel-syed-Jk3-Uhdwjcs-unsplash-1024x683.jpg\" class=\"attachment-large size-large\" alt=\"\" srcset=\"https:\/\/test.veracityid.com\/new\/wp-content\/uploads\/2022\/10\/nabeel-syed-Jk3-Uhdwjcs-unsplash-1024x683.jpg 1024w, https:\/\/test.veracityid.com\/new\/wp-content\/uploads\/2022\/10\/nabeel-syed-Jk3-Uhdwjcs-unsplash-300x200.jpg 300w, https:\/\/test.veracityid.com\/new\/wp-content\/uploads\/2022\/10\/nabeel-syed-Jk3-Uhdwjcs-unsplash-768x512.jpg 768w, https:\/\/test.veracityid.com\/new\/wp-content\/uploads\/2022\/10\/nabeel-syed-Jk3-Uhdwjcs-unsplash-650x433.jpg 650w, https:\/\/test.veracityid.com\/new\/wp-content\/uploads\/2022\/10\/nabeel-syed-Jk3-Uhdwjcs-unsplash.jpg 1200w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e7d33cc elementor-widget elementor-widget-text-editor\" data-id=\"e7d33cc\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Why do carriers need idNoPay?\u00a0<\/h4><p><span style=\"font-weight: 400;\">Unpaid premium balances average several percent of NPW in the auto insurance sector every year.\u00a0 In direct channels, it can amount to many times this figure if left unchecked.\u00a0 It happens when customers are not required to make full payment at point of sale, or when cancellation for non-payment is granted a 30 or 60 notice and cancellation period.\u00a0 Worse yet, applicants who discover they can get policy coverage without payment are very likely to do it again and again, and again.<br \/><\/span><\/p><p><b><i>We\u2019ve seen instances where as many as five policies were issued to the same household within a year \u2013 and each was cancelled with Unpaid Earned Premium Due<\/i><\/b><\/p><p><span style=\"font-weight: 400;\">Carrier losses on these policies aren\u2019t limited to unpaid earned premium.\u00a0 Many times, persons intending to allow policies to lapse will only pay their premiums in the event of a claim.\u00a0 Then the carrier gets hit both ways \u2013 with non-payment when the policy ultimately cancels PLUS a claim from a bad-faith policyholder.\u00a0\u00a0\u00a0<\/span><\/p><h4>How is idNoPay Delivered?\u00a0<\/h4><p><span style=\"font-weight: 400;\">IdNoPay is offered as a subscription service to insurance carriers and bundled with every version of idFusion.\u00a0<\/span><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e9fd086 e-container--row e-container\" data-id=\"e9fd086\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\t\t\t\t<div class=\"elementor-element elementor-element-2c70424 elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"2c70424\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.7.8 - 02-10-2022 *\/\n.elementor-heading-title{padding:0;margin:0;line-height:1}.elementor-widget-heading .elementor-heading-title[class*=elementor-size-]>a{color:inherit;font-size:inherit;line-height:inherit}.elementor-widget-heading .elementor-heading-title.elementor-size-small{font-size:15px}.elementor-widget-heading .elementor-heading-title.elementor-size-medium{font-size:19px}.elementor-widget-heading .elementor-heading-title.elementor-size-large{font-size:29px}.elementor-widget-heading .elementor-heading-title.elementor-size-xl{font-size:39px}.elementor-widget-heading .elementor-heading-title.elementor-size-xxl{font-size:59px}<\/style><h3 class=\"elementor-heading-title elementor-size-default\">Benefits<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18bb81b elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"18bb81b\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/test.veracityid.com\/wp-content\/plugins\/elementor\/assets\/css\/widget-icon-list.min.css\">\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Identifies applications containing who have past due balances on existing or old policies.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Excludes applicants that cost carriers up to 7% of NPW in unpaid premium and bad-faith claims<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-08db967 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"08db967\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\"> Intervenes and prevents issue of new policies until applicants satisfy carrier-defined underwriting & premium recovery requirements<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-circle\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Prevents serial issue-no-pay-cancel- repeat applications<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><div class=\"elementor-element elementor-element-91027fd e-container--column e-container\" data-id=\"91027fd\" data-element_type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\t\t\t\t<div class=\"elementor-element elementor-element-d811c9d elementor-widget__width-inherit elementor-widget elementor-widget-heading\" data-id=\"d811c9d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Case Example<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-11a3deb elementor-widget elementor-widget-text-editor\" data-id=\"11a3deb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<p><strong>How Veracityid Stops Premium Write-offs and Early Cancellation in New Business<\/strong> &#8211; Stopping Serial Non-payers\u200b<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a9173a elementor-widget elementor-widget-button\" data-id=\"1a9173a\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t<a href=\"https:\/\/veracityid.com\/case-examples\/how-veracityid-stops-premium-write-offs-and-early-cancellation-in-new-business\/\" class=\"elementor-button-link elementor-button elementor-size-sm\" role=\"button\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t<span class=\"elementor-button-icon elementor-align-icon-right\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-arrow-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"elementor-button-text\">Read More<\/span>\n\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div><\/div><\/div>\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>What is idNoPay?\u00a0 idNoPay is a cloud service that identifies applications with listed drivers who have unpaid premium balances left over from [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":312,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"footnotes":""},"class_list":["post-448","page","type-page","status-publish","hentry"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>idNoPay - VeracityID<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/test.veracityid.com\/new\/services\/idnopay\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"idNoPay - VeracityID\" \/>\n<meta property=\"og:description\" content=\"What is idNoPay?\u00a0 idNoPay is a cloud service that identifies applications with listed drivers who have unpaid premium balances left over from 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