Paul Sanchez
A Colorado Motor Vehicle Record (MVR) is a document that contains a driver's personal information, such as their name, birthday, and driver's license number, as well as their driving history, including accidents, traffic violations, and license suspensions. Auto insurance companies in Colorado use this information to determine insurance premiums, with riskier drivers paying higher rates. Insurance agents can pull a Colorado MVR for employment screening, insurance purposes, or DOT compliance. However, according to Colorado's privacy laws, an individual's written permission is required to access their driving record.
| Characteristics | Values |
|---|---|
| Who can request a Colorado MVR? | Employers, courts, government agencies, insurance companies, and the individual driver themselves. |
| Why is a Colorado MVR requested? | For pre-employment screening, insurance purposes, DOT compliance, and ongoing risk management. |
| What information does a Colorado MVR contain? | Identifying information (name, birthday, driver's license number) and driving history (accidents, DUI tickets, license suspensions, moving violations). |
| How far back does a Colorado MVR go? | Seven years |
| How can a Colorado MVR be requested? | Online through the myDMV portal or by calling 1-877-753-6667. |
| Is there a fee for requesting a Colorado MVR? | Yes, there is a fee that can be paid by credit card. |
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What You'll Learn
Privacy laws and consent
The CPA grants individuals the right to opt out of data processing for targeted advertising, sales of personal data, and profiling. This right is ensured through universal opt-out mechanisms, which will become mandatory for controllers starting July 1, 2024. However, if obtained appropriately, consumer consent takes precedence over the choices in these universal opt-out mechanisms. Consent can be acquired through webpages, applications, or similar technology, provided there is clear and conspicuous notice about the choices, categories of data collected, and purposes, along with instructions on how and where to revoke consent.
The CPA also mandates that entities obtain explicit consent before processing certain types of sensitive personal data. This includes data collected through Bona Fide Loyalty Programs, which cannot be used for targeted advertising or as a secondary use without the individual's consent. The law applies to entities conducting business in Colorado or offering commercial products or services to Colorado residents, provided they process substantial volumes of personal data.
In the context of insurance, the CPA permits insurers or insurance support agencies to request driving records in connection with claims, investigations, anti-fraud activities, rating, or underwriting. However, this is contingent upon meeting specific criteria outlined in the Driver Record Search Requestor Release form DR 2489. Additionally, the CPA requires entities to safeguard personal data, conduct data protection assessments, and provide transparency to individuals about the collection and use of their data.
It is important to note that privacy laws, including the CPA, may have exemptions for specific types of data maintained in compliance with other federal privacy laws, such as the Health Insurance Portability and Accountability Act or the Fair Credit Reporting Act. Nevertheless, entities handling personal data must generally adhere to the CPA's provisions to ensure the protection of individuals' privacy rights.
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Online record retrieval
To pull a Colorado Motor Vehicle Record (MVR) as an insurance agent, you must first obtain the written permission of the individual whose record you wish to access. This is due to Colorado's Privacy Law, which protects an individual's driving record from being shared without their consent.
Once you have the necessary permission, you can request the MVR online. The Colorado Division of Motor Vehicles maintains driving records for the past seven years, and you can purchase both certified and non-certified copies of these records. Non-certified copies can be sent to an email address or a physical address, while certified copies are sent via postal mail. To make a request, you must provide the following information:
- Full name
- Date of birth
- Driver's license number (if available)
- Complete and legible original signature
- Photocopy of driver's photo ID bearing signature
If you are an employer or there is a court case pending, you must also fill out the Driver Record Search Requestor Release form DR 2489 to ensure you meet the criteria to request the record. Criteria include being a government agency, an agency charged with motor vehicle safety or theft, or an insurer or insurance support agency in connection with claims, investigations, anti-fraud activities, and more. When requesting another person's records, you must also fill out the DR 2478 "Statement of Fact" at the end of the form DR2489, unless you meet one of the exceptions.
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SR-22 forms
An SR-22 form is a rider to an insurance policy. It is a guarantee from the insurance company that the insured individual will maintain their insurance for a specified period. This form is not an insurance policy in itself. However, it is often required to reinstate a license after a suspension or revocation, or to prevent a license from being suspended. When an individual purchases liability insurance, the insurance agent can provide the SR-22 form. Once the insurance policy with the SR-22 rider is purchased, the form is filed with the Colorado Division of Motor Vehicles (DMV).
The SR-22 form is a commitment by the insurance company to keep the policy in effect for a certain period. If the insured individual fails to maintain their SR-22 status, the insurance company is obligated to notify the Motor Vehicle Division. Upon receiving this notification, the Motor Vehicle Division will suspend the individual's license if the SR-22 is still required.
To obtain a copy of your own driving record, which includes SR-22 information, you can contact the Colorado DMV. These records reflect activity from the last seven years and are maintained in accordance with state and federal laws, including the Fair Credit Reporting Act. If you are requesting someone else's driving record, you must have their written permission due to privacy laws. There are exceptions to this rule, however. For example, if you are an employer or there is a pending court case, you can review the Driver Record Search Requestor Release form DR 2489 to see if you meet any of the listed criteria to request the record without the individual's permission. Some of the criteria include being a government agency, an agency dealing with motor vehicle safety or theft, or an insurer or insurance support agency in connection with claims, investigations, or anti-fraud activities.
When submitting a mail-in application for reinstatement, you must include the completed Application for Reinstatement (Form DR 2870), a check or money order for $95, and any specific requirements, such as evidence of insurance or an SR-22 form. It is recommended to submit this information thirty to sixty days before your eligibility date to ensure timely processing. The entire process can take up to twenty business days to complete. Once your application is verified and processed, a Letter of Clearance will be mailed to the address provided on the application.
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MVR report contents
The Colorado Division of Motor Vehicles maintains driving records, also known as Motor Vehicle Records (MVRs), that reflect activity posted to a driver's record for the past seven years. These records are maintained in accordance with state and federal laws, including the Fair Credit Reporting Act and the requirements of the Federal Trade Commission.
MVR reports contain a comprehensive overview of a driver's history, including information such as:
- Personal information: This includes the driver's full name, date of birth, address, and other identifying details.
- License information: Details such as the license number, issue date, expiration date, and any restrictions or endorsements will be included.
- Vehicle information: Information about the vehicle(s) registered to the driver, including the vehicle identification number (VIN), make, model, and year.
- Driving history: A record of any traffic violations, accidents, or driving infractions will be listed, including dates and locations. This includes any points added to the driver's record as a result of these incidents.
- Insurance information: The report may show whether the driver has active insurance and the name of their insurance company.
- Court records: Any pending court cases or legal actions related to the driver's record will be noted.
- Employment information: If the driver is a commercial driver or their record is being requested by an employer, their employment details may be included.
It's important to note that, due to privacy laws, only authorized individuals can obtain an MVR report. This includes the driver themselves, as well as certain government agencies, employers, insurance companies, and legal entities, with the driver's written permission.
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Using MVR for insurance
A Motor Vehicle Record (MVR) is a record of an individual's driving history, including vital information such as their name, date of birth, and driver's license number. It also includes any motor vehicle-related events, such as traffic citations, license suspensions, DUI convictions, and accident reports. MVRs are used by insurance companies to assess the risk associated with a driver and determine insurance rates. The records reflect activity from the previous seven years and are maintained in accordance with state and federal laws, including the Fair Credit Reporting Act.
In the context of insurance, MVRs are primarily used for underwriting auto insurance policies. They help insurance carriers identify high-risk drivers, allowing them to improve safety, reduce liability, and manage insurance expenses. MVRs support real-time transactions, improve business efficiency, and reduce risk for insurance agencies by streamlining and integrating the MVR ordering process.
For insurance agents, MVRs can be a valuable tool to save time and money. Easy-to-read MVR reports provide quick access to the information needed for insurance-related tasks. When requesting an MVR, insurance agents should be aware of the relevant privacy laws and requirements, such as obtaining written permission from the individual whose record is being requested.
In Colorado, there are specific forms and criteria that must be met to request an MVR for insurance purposes. The Colorado DMV's Driver Record Search Requestor Release form DR 2489 outlines the criteria that must be met to request another person's driving record. This includes insurers or insurance support agencies in connection with claims, investigations, anti-fraud activities, rating, or underwriting. Additionally, the DR 2478 "Statement of Fact" form must be completed when requesting another person's records.
It is important to note that MVRs may not always reflect all violations associated with a driver, as there can be delays or discrepancies in updating records across different states. Combining MVR data with court data can provide a more comprehensive assessment of a driver's risk profile.
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Frequently asked questions
You can obtain a Colorado Motor Vehicle Record (MVR) report by visiting the Colorado DMV website, or by calling 1-877-753-6667. Alternatively, you can use a third-party website such as www.4safedrivers.com or MVRcheck.com.
Yes, according to Colorado's Privacy Laws, an employer or insurance company must obtain the driver's written permission before requesting a copy of their driving record.
There is a fee for obtaining a Colorado MVR report, which can be paid by credit card. The cost of a non-certified MVR report obtained through the myDMV portal is $9.95.
