Case Study: California State Automobile Association (CSAA) achieves real-time automated underwriting and up to 80% fewer manual reviews with FICO Blaze Advisor for .NET

FICO Blaze Advisor for .NET automates underwriting decisions for California State Automobile Association

California State Automobile Association (CSAA), an AAA affiliate serving about 4 million members in California, Nevada and Utah, faced rapid growth—written premium rising ~40% annually—and was processing roughly 1,000 new auto applications per day. Its legacy underwriting system forced nearly all applications into manual review, creating delays, inconsistency and pressure to add underwriters; CSAA aimed to automate roughly half of new business approvals to avoid scaling headcount.

CSAA implemented a Decision Management platform using FICO Blaze Advisor for .NET and predictive analytic models, separating business rules from application code and integrating with its .NET environment. The solution automates lower-risk approvals, optimizes third‑party data ordering, and enables business users to change rules quickly; as a result manual review has dropped by up to 80%, CSAA now automatically underwrites about 55% of new applications (with potential to increase), delivering faster decisions, consistent underwriting and rapid ROI.

California state Automobile Association (CSAA)

Steve Dunn

California state Automobile Association (CSAA)