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 Posted: Mon Feb 15, 2010 9:35 am Post subject: DMV records - How they are useful for all |
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The DMV records seem to be truly important for our auto insurance carriers. I guess they are sought after by people who're looking for new drivers as well. Are these records useful in any other way?
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dmellowsoftbabe
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| Posted: Mon Feb 15, 2010 11:57 am Post subject: DMV records |
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In most states, the Department of Motor Vehicles (DMV) has a "point" system which is required to track your driving record. Every kind of infraction (parking ticket, at-fault accident, driving under influence etc.) is assigned a particular point. When you are found guilty of any of these infraction, the appropriate points are added to your driving record. So higher the points, worse is your driving record.
Typically, an insurance company would review your driving record once you apply for a policy from their company. They review your driving record primarily to determine if you meet the company's standard of insurability and also to evaluate your risk potential. Based on your driving record, your insurance company determines the amount of premium. If you have a very bad driving record, you can be considered a high-risk driver and there would be an increase in your premiums. |
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Veronica
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| Posted: Tue Feb 16, 2010 7:15 am Post subject: |
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Your DMV records will show any traffic violation that you could be involved in across 48 states. The only exceptions are Wisconsin and Michigan.
| Quote: | | I guess they are sought after by people who're looking for new drivers as well. |
I hope DMV records are now being sought after by all employers. I'd rather wait for the expert views in this regard. |
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steven
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| Posted: Wed Feb 17, 2010 5:57 am Post subject: |
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I have also seen life and health carriers run motor vehicle records. If you think about this, it makes sense. Part of an overall risk profile- if you have a client with DUIs or Reckless convictions, wouldn't that signify a bigger exposure?
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InsTeacher
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| Posted: Wed Feb 17, 2010 6:51 am Post subject: |
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| Yes, now-a-days most employers are mandating driving record checks as a part of employees' background checks. This is one way which lets them pick the right candidates and avoid lawsuits arising out of hiring negligence. |
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RupertWBradson
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| Posted: Thu Feb 18, 2010 6:13 am Post subject: |
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There are certain businesses which need to carry hazardous objects or materials from one place to another.
Trucking companies which work with such businesses would look for drivers who have a safer driving record. A good driving record is now as important as your credit report. The insurance industry suggests that you keep an eye on your own driving record. |
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roddick
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| Posted: Fri Feb 19, 2010 10:54 am Post subject: |
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| Quote: | | Yes, now-a-days most employers are mandating driving record checks as a part of employees' background checks. |
I guess drunk-driving is a serious offense. It's considered a 1st degree misdemeanor across most states. Once a driver gets caught up with this, he'll have a criminal record against his name. This could pose a real challenge against any employment opportunity.
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anonymous00
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| Posted: Tue Feb 23, 2010 6:02 am Post subject: |
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Yes, more and more of employers are now going through the driving records of their prospective employees. It's a popular misconception that your DUI will remain in your DMV records for a period of 5 years.
A DUI is quite different than other instances of violating traffic rules. Actually, a DUI is a criminal offense, so it might just stay in your record for years may be for life. |
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steven
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| Posted: Thu Mar 04, 2010 9:05 pm Post subject: |
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| MVR's also allow us to see the years of driving experience as well as the "patterns" that a driver might have. It is a great way to get a small picture of the driver. |
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MiAlterEgo4Now
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