Root has submitted a proprietary insurance scoring model developed with TransUnion for approval in Georgia.

Root says the model is intended to predict prospective customers’ expected loss ratios more accurately than the credit scores used in its current rating plan. The filing, submitted Sept. 24, seeks approval for the model only. Root is not proposing a rate change or asking to use the score in its rating plan yet.

“Those proposed changes will be separately submitted for your consideration in the coming months as part of a larger refinement to Root’s rating structure,” the company wrote in its explanatory memorandum.

The filing lists $76.8 million in written premium for the Georgia private passenger auto program. It remains submitted to the state, with no disposition recorded.