How to Check Your Driving Record

Your drive phonograph record is one of the key factors that affects how much you pay for car insurance. In cosmopolitan, a dependable drive record results in lower premiums. A history of accidents or serious traffic violations, on the early hand, makes you a higher risk to insure and means you ‘ll probable pay more .

But how do you find out what ‘s on your drive record and how that may be affecting your premiums ? If you ‘re planning to shop for raw insurance coverage, learn how to check your force phonograph record and interpret the information that ‘s included .

Key Takeaways

  • The Department of Motor Vehicles in your state can provide copies of your driving records, typically for a fee.
  • Different types of driving records may be used for different purposes, such as background checks or court appearances.
  • Driving records can include a history of minor and major traffic violations, including speeding tickets, accidents and/or arrests for more serious violations such as driving under the influence.
  • Your driving record can affect what you pay for car insurance premiums, though accidents and other traffic violations can eventually age off your driving history.

What ‘s In Your drive record

Your driving record can include a variety show of information regarding your history as a driver. What ‘s included and how long that information remains on your drive read can depend on the laws in your submit. In North Carolina, for model, your drive record includes :

  • Your name and address
  • Driver’s license number
  • License status (i.e. valid, expired, suspended, etc.)
  • Convictions related to motor vehicle violations
  • Accident information
  • Driver control actions, such as failure to yield or failure to come to a complete stop

Any pending charges you might have for traffic violations would not show up on your record, however .

It ‘s besides important to note that you can have different types of driving records. Using North Carolinas an case, again, drivers can have :

  • Residential history record: This record lists your residential driving history.
  • Certified true copies: A certified true copy is a complete driving record designed for official use by government and state agencies as well as courts.
  • Complete extract copies: This driving record is designed for personal use by a driver but can also be furnished to employers or insurance companies.
  • Limited extract copies: A limited extra copy shows your three-year driving history and can be used by employers as part of a background check or by insurance companies to set rates.

New York, on the other bridge player, offers three types of drive records : standard, limited and commercial. The standard drive record only includes information the DMV is required to keep, which is typically the most late few years of driving history. A limited drive record contains all the information the DMV has about a driver while a commercial drive read lists driver data for all actions, including suspensions, for any type of vehicle in any state .


A driver ‘s license is not a requirement for having a drive record ; any driver can have an official phonograph record if they ‘ve been ticketed, had a license suspended or been convicted for a traffic violation.

How to Check Your drive criminal record

The process for checking your drive record can vary depending on which state you live in. But generally, it involves :

  • Determining which type of driving record you’d like to receive
  • Completing the appropriate application
  • Providing proof of identification, including your Social Security number
  • Paying any applicable fees

For exemplar, in South Carolina, it ‘s spare to get a imitate of your repel criminal record points drumhead on-line. But if you want to view your three-year or ten-year drive read you ‘ll need to pay a $ 6 fee. North Carolina charges $ 5 and $ 7 respectively for a three- or seven-year repel record, which is the kind used by indemnity companies and employers .

You can find out what ‘s required to obtain a drive record in your state by contacting your local Department of Motor Vehicles or Department of Public Safety. many states allow you to request a drive record on-line, though some may require you to make your application in person .


States can allow person to check the record of another driver, if it ‘s for a valid cause that ‘s allowed by police.

How insurance Companies Use Your drive record

When applying for car policy, the policy company conducts a risk appraisal as a depart of its underwrite process. This appraisal, or excerpt process, includes determining how to classify the applicant—low risk versus high risk, for example .

The best means to assess the applicant is to review their drive history, which typically includes moving violations and accidents, including at-fault and not-at-fault. The indemnity caller can estimate the level of indemnity gamble based on the frequency and severity of late driving violations and collisions .

While your car insurance caller can not pull your wax centrifugal vehicle report ( MVR ), it does pull a drumhead list your most late tickets, accidents, and convictions. The lookback period for your MVR varies by express and the policy company. broadly, this period is between three and five years, but it can be much longer. For model, in California, a DUI remains on the MVR criminal record and counts as an offense for 13 years, whereas an accident has a look-back period of 39 months .

If there are several accidents or traffic infractions, the driver is more likely than other drivers to have similar problems in the future, increasing the insurance company ‘s liability. besides, they will credibly make multiple, dearly-won indemnity claims. As a resultant role, the policy caller may deem the driver besides hazardous to insure or may charge an increase rate to compensate for the probability it will pay out claims .

Your credit score, age, where you live, and the type of car you drive are among the other factors insurance companies consider to determine premiums .

What Is Included in the MVR ?

In summation to accidents and moving violations, the MVR besides includes information about any condemnable convictions associated with the drive record, such as DUIs and any incidents in which the driver failed to appear at a schedule court listening related to a driving misdemeanor .

The MVR besides supplies the insurance company with information about any license restrictions, such as not being allowed to drive at night ascribable to hapless eyesight. Any anterior license suspensions or revocations within the lookback period are besides included .

What If My record Is n’t Clean ?

fortunately, even if you have to pay an increased policy rate due to a less-than-favorable MVR, it may not be permanent. once your infractions are older than the lookback period, they drop off the insurance drumhead and are no long considered when determining your bounty. If your insurance caller has a lookback period of three years, for example, an accident you had in 2017 drops off your record in 2020. If you have no new collisions, your policy rates may decrease at your next policy reclamation .

How retentive Accidents Stay on Your Driving record

The length of fourth dimension an accident can stay on your drive read can depend on state law. typically, an accident can stay on your driving history for between three and five years. Depending on the state, the countdown period may begin from the date of the accident or the goal of the foremost year in which the accident occurred .

If you have an accident on your record, the passage of time could help you secure better policy rates if you have no new accidents or violations. In the meanwhile, you can ask about discounts that might reduce your premiums or raise your deductibles for a lower bounty. And of class, you can always shop around for the best cable car indemnity rates to find the best softwood on coverage .

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