A guiding theme of the chapter is the memory in longitudinal nonlife insurance data, and especially in automobile insurance. Memory in bonus–malus scales, in real-world rating structures and in statistical models on insurance data, is related to the magnitude of no-claim discounts, if the seniority is controlled for. By increasing length of memory in the automobile insurance sector, we have the following ranking: bonus–malus scales, real-world rating structures, and frequency risks estimated by statistical models. The chapter also studies the point-record driving licenses based on traffic violations, which are used to create incentives to safe driving. The incentive properties are discussed, as well as the future of point-record driving licenses in a context where the driver’s behavior would be recorded in real time. The bulk of the chapter is devoted to the semiparametric analysis of panel count data.