A Motor Vehicle Report (MVR) is a record of your driving history, which auto insurance companies use to determine your insurance rates and eligibility. It includes information about your driver's license, such as its status, class, and any restrictions, as well as traffic violations, accidents, and personal information. Auto insurance companies typically look back at your driving record from the past three to five years, but this can vary depending on the state and company. Therefore, it is advisable to order your MVR before shopping for car insurance to be prepared for the company's quote and correct any inaccuracies.
Characteristics | Values |
---|---|
What is an MVR? | Motor Vehicle Report or Motor Vehicle Record |
What does it include? | Driving history, driver's license details, personal information, traffic violations, accidents, and criminal convictions |
Who uses it? | Car insurance companies, employers, law enforcement officers, and towing companies |
Why is it used? | To determine insurance rates and coverage eligibility, assess driving skills, and perform background checks |
How often is it checked? | When applying for coverage, at renewal, and periodically by employers |
How far back does it go? | Typically 3-5 years, but can be longer depending on the state and the type of violation |
How to get a copy? | Request from the state's Department of Motor Vehicles or a third-party company |
Cost | $5 to $25, depending on the state and type of copy (certified or uncertified) |
What You'll Learn
How an MVR affects insurance rates
A Motor Vehicle Report (MVR) is a record of your driving history, and insurance companies use it to determine what you pay for coverage. Your MVR helps insurance companies assess how risky you are to insure. The more violations on your record, the lower your risk classification and the higher your rates will be. If your MVR indicates that you are prone to accidents or speeding violations, an insurance company may need to factor those things into the premium you pay. If you have had major violations, such as DUIs, this can severely impact the rate insurance companies are likely to offer you compared to a clean record with no history of violations.
Your driving history is one of several factors that life insurance companies evaluate when setting your rates. You'll pay more for life insurance if you have recent moving violations, license suspensions, a DUI, or reckless driving violations. You can be declined a policy if you have multiple DUIs or several moving violations in your driving history.
Most insurers look at the last five years of your MVR, but some consider up to 10 years. Insurance companies generally look at the past three to five years of your driving history when calculating your insurance premiums. After a certain amount of time, accidents and violations effectively fall off your record when it comes to car insurance.
More commonplace violations like speeding tickets tend to "fall off" your record quickly, often within three to five years. More serious events like at-fault accidents or DUI convictions may remain on your record for significantly longer. It ultimately depends on how long your state keeps certain violations on its motor vehicle records.
A recent study found that prior traffic violations were the second-best predictor of future accidents, second only to prior accident history.
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When to order an MVR
An MVR, or Motor Vehicle Report, is a type of background check that is commonly requested by employers as part of their screening process when hiring employees who will be required to drive as part of their jobs. An MVR check is also important for insurance companies to assess whether an applicant or employee is insurable.
There are several reasons why an employer or insurance company might order an MVR. Firstly, it helps to verify an applicant's driver's license number and identity. Secondly, it confirms whether the applicant's license is valid, suspended, revoked, or restricted. Thirdly, it provides information on the type of license held by the applicant, including any commercial driver's licenses, specific license endorsements, or chauffeur's licenses. Additionally, an MVR check can reveal if the applicant has the necessary qualifications and if they are responsible, with a safe driving record.
MVR checks are particularly important for certain job positions, including delivery workers, ambulance drivers, commercial truck drivers, bus drivers, construction workers operating heavy machinery, law enforcement officers, and taxi drivers.
There are a few ways to obtain an MVR. One way is to ask the applicant to obtain a copy of their MVR, although this may take longer and there is a risk of the report being altered. Another way is to order the MVR directly from the state's Department of Motor Vehicles, but this can be time-consuming and challenging to interpret. A third option is to partner with a reliable third-party provider, such as iprospectcheck, which can provide fast and comprehensive MVR reports and background checks.
It is important to note that MVR checks are governed by certain laws, such as the Drivers Privacy Protection Act (DPPA), the Fair Credit Reporting Act (FCRA), and Title VII of the Civil Rights Act of 1964. Employers must obtain consent and comply with relevant federal and state laws when conducting MVR checks.
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How to get an MVR
A Motor Vehicle Record (MVR) is a detailed report of your driving history. It contains information such as your driving license details, personal information, and any traffic violations or accidents you've been involved in. Obtaining an MVR is essential if you're planning to switch car insurance providers or apply for a job that requires driving. Here's a step-by-step guide on how to get your MVR:
Step 1: Identify Your State's DMV
Your MVR is maintained by your state's Department of Motor Vehicles (DMV) or its equivalent. Each state has its own DMV, so start by locating the DMV website or office for your state.
Step 2: Submit a Request
You can request a copy of your MVR by visiting the DMV office in person, calling them, or submitting an online or mail request. Be prepared to provide proof of a valid driver's license. There is typically a small fee for obtaining your MVR, ranging from $5 to $25, depending on your state and the type of MVR requested.
Step 3: Allow for Processing Time
The time it takes to receive your MVR can vary. In some states, you may be able to access your MVR immediately online. In other cases, you may need to wait for the DMV to process your request, which could take a few days or longer if done by mail.
Step 4: Review Your MVR
Once you receive your MVR, carefully review the contents. It will include your driving history, such as traffic tickets, accident reports, license points, and personal information. Check for any inaccuracies and take steps to correct them if needed.
Step 5: Understand the Impact
Your MVR plays a significant role in determining your car insurance rates. Insurance companies use it to assess your risk as a driver. A clean MVR with no violations or accidents will generally result in lower insurance premiums. On the other hand, major violations like DUIs or multiple accidents will likely lead to higher insurance rates.
Remember that your MVR is a dynamic document that changes over time. Keep track of any violations or accidents and be mindful of their potential impact on your insurance rates. Additionally, if you're applying for a job that involves driving, your potential employer may request your MVR as part of their background check process. Maintaining a clean driving record is always a good idea!
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MVR checks for employers
MVR checks are an important part of the employee hiring process, especially for positions that involve driving or operating machinery. An MVR check reveals a person's driving history, including their driver's license number, license expiration date, and physical descriptors such as weight, gender, height, hair colour, and eye colour.
MVR checks are critical for employers as they help protect public safety and reduce potential liability risks. They are also useful for insurance companies when determining insurance rates and coverage eligibility. For example, if someone has a history of speeding tickets or accidents, insurance companies will typically charge more for insurance as they are more likely to file an auto insurance claim.
If driving is part of the job, MVR checks are often required by law and should be a condition of employment. Employers should establish clear standards for what constitutes an acceptable MVR and the penalties for not having one. It is also important to note that almost half of job applicants understate the number of accidents and convictions in their initial application, so MVR checks can help verify an applicant's driving record.
There are a few ways for employers to obtain an MVR report:
- Ask the applicant to obtain a copy and reimburse them for the cost.
- Order reports directly from the state Department of Motor Vehicles.
- Partner with a third-party provider to obtain MVR reports as part of the employment screening process.
When requesting an MVR for another person, employers must have the driver's written consent and signature. Additionally, employers must comply with relevant federal and state laws when conducting MVR checks, such as the Driver Privacy Protection Act (DPPA) and the Fair Credit Reporting Act (FCRA).
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MVR violations and accidents
A Motor Vehicle Report (MVR) is a record of your driving history, and it's used by car insurance companies to determine your insurance rates and coverage eligibility. Your MVR includes any moving violations, traffic tickets, and accidents you've had within a given time period or throughout your driving history. This includes any DUI convictions, licence suspensions, and accident reports.
Your MVR also contains personal information, such as your name, date of birth, and driver's license number. It may also include details like your age, height, and weight.
Most US states use a point system to track driving violations, and these points are applied to your MVR score, not your license. If you accumulate too many points, you could lose your license or face other consequences like mandated driving classes. The types of violations that earn points vary by state, and not all states use a point-based system or issue an MVR score.
More common violations, like speeding tickets, tend to be removed from your record within 3-5 years. More serious events, like DUIs or at-fault accidents, may remain on your record for much longer, depending on state regulations.
When it comes to insurance, minor violations will generally have less of an impact on your car insurance rate than more serious events like at-fault accidents. If you have a history of speeding tickets or accidents, insurance companies will typically charge you more for insurance because you're more likely to file an auto insurance claim.
- A04, A08, A10, A11, A20, A21, A22, A23, A24, A25, A26, A31, A60, A61, A90, A94, A98: Driving under the influence of alcohol or drugs, including specific BAC levels.
- B01, B02, B03, B04, B05, B06, B07, B08: Hit-and-run incidents, including failure to stop and render aid after an accident, and leaving the scene before police arrive.
- B25, B26: Driving with a suspended or revoked license.
- M41, M42, M43, M44, M45, M46, M47, M48, M49, M50, M51, M55, M56, M57, M58, M60, M61, M62: Improper lane changes or failure to obey lane markings.
- M70, M71, M72, M73, M74, M75, M76, M77: Reckless or careless passing.
- N01, N02, N03, N04, N05, N06, N07, N08, N09, N20, N21, N22, N23, N24, N25, N26, N30, N31: Failure to yield the right of way.
- S01, S06, S15, S16, S21, S26, S31, S36, S41, S51, S71, S81, S91, S92, S94, S95, S96, S97, S98: Speeding violations, including speeding in specific speed limit zones and erratic speed changes.
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Frequently asked questions
A Motor Vehicle Record (MVR) is a record of your driving history, which includes your driving license details, traffic violations, and sometimes personal information.
Auto insurance companies use the MVR to determine insurance rates and coverage eligibility. The MVR is a significant factor in determining the risk of insuring a driver and the subsequent insurance premiums.
You can request a copy of your MVR from your state's Department of Motor Vehicles (DMV). Some states allow you to apply online or by mail. There is usually a small fee for this service, typically under $10.
The length of time violations remain on your MVR depends on the state and the type of violation. Minor violations, such as speeding tickets, typically stay on your record for 3-5 years. More serious violations, like DUIs, may remain on your record for much longer.
Auto insurance companies typically check your MVR when you first apply for coverage and then again when it's time to renew your policy.