Driving Records are a serious matter, and you need to understand why before you get a suspended license. Driving Records are not merely for the sake of keeping track of bad driving history, but these records are used as references by insurance companies when deciding if you are a safe or risky risk to take. Insurance companies use your driving history in order to determine how much you will be charged for your policy. They look at your driving records to estimate how much they are likely to have to pay you each year in premiums.
Your driving records are kept on paper at the DMV (DMV, Department of Motor Vehicles), so this is where all of your information regarding traffic violations and tickets is stored. Every time you get a ticket or even pay a fine for one of these crimes, it will show up on your Driving Records. It's important to keep up to date and make sure that your Driving Records is current, otherwise you can be in serious trouble down the road.
The main reason that you will want to search for and update your Driving Records is to ensure that you are not violating any laws or the rules of the road. Insurance companies rely on your driving records to determine how high of a risk you are, and what type of policy they should give you. Without a clean driving record, an insurance company may drop you from their policy or raise your rates. If you get a suspended or revoked license, the same will happen to your insurance. You will not be able to obtain a motor vehicle insurance policy. Driving Records should be updated as soon as possible if you want to maintain the best insurance rates.
Driving Records can include the following information: the violations or infractions that you are convicted of, any moving violations that occurred while you were operating your motor vehicle, and any accidents that you were involved in. These records are kept by the DMV and can be accessed on-line whenever you are approved to. However, many people are unaware that they are entitled to one copy of their driving records per year as well as an additional copy upon request.
Some things that will be revealed on your Driving Records are the name of the parties involved in the accident, the disposition of the case, the judge who presided over the case, and your driver history. Your complete driving records are compiled into your DMV driver history which includes traffic tickets, DUI convictions, moving violations, and other pertinent information. In addition to your DMV records, you will be required to provide proof of insurance as well as proof of safe driving. Your insurance company will use this information to determine how much coverage to pay out based on the type of coverage that you have chosen. In addition to your insurance company, some lenders and creditors use your driver history when deciding whether or not to extend credit. Having good driving records can benefit you financially throughout your lifetime.
Obtaining your Driving Records can be accomplished in one of two ways. First, you can contact the state motor vehicle department to inquire about the availability of driving records online through their website. Each state has a different procedure for requesting a copy of your record by mail. Second, most insurance companies require a person to apply for insurance before they can obtain their driving records from the insurance company. You will be required to fax over a certified copy of your identification and proof of insurance and your social security number.
To apply for insurance, you will also be required to obtain a certified copy of your driving records in the prescribed format - typically it is a letter of demand and accompanied by payment of a fee. If your application for insurance is approved, then you will be required to pay for a delivery of a copy of your driving record to your local Department of Motor Vehicles or the insurance company that provided you with your insurance quote. Typically, this delivery is made within three business days. However, in some states, the waiting time may be up to seven days. If your insurance company requires a copy of your driving records, the time frame to obtain one varies.
Motor vehicle records are important for determining your eligibility to get a driver's license. Driving history is considered a valuable information by employers, landlords and insurance companies. Although most states consider driving records to be public information, the information contained in the motor records, such as traffic violations and convictions, remains confidential and private.
