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How Auto Insurance Companies Assess Your Driving Records

Little & Sons Insurance Group / Auto Insurance  / How Auto Insurance Companies Assess Your Driving Records
Auto insurance in Beaumont, CA

How Auto Insurance Companies Assess Your Driving Records

Finding auto insurance in Beaumont, CA, can be a complicated process. Insurers look at various factors to determine your premium, and one of the important factors that they assess is your driving records. Generally, if an insurer believes that you have a poor driving record, you are considered a high-risk driver, which in turn increases your auto insurance rate.

Here are a few things you need to know in order to understand how auto insurance companies assess your driving records.

How Do I Obtain a Copy of My Auto Insurance History?

If you have questions about your driving history, you can obtain a copy of your driving record from the local DMV. You can also check the Claims Loss Underwriting Exchange database. The “C.L.U.E” report allows you to check any claims you’ve made in the past seven years. You can also view your inspection history, registration, status changes, and title information.

Do Auto Insurance Companies Report to the DMV?

Except for serious cases, auto insurance companies do not report accidents to the Department of Motor Vehicles. However, you may be obligated to file a report with the DMV whether your insurance company gets involved or not. The only time your insurer may notify the DMV about your driving record is if your insurance fails to meet certain standards.

How Long Are You Considered a High-Risk Driver?

Insurers can classify you as a high-risk driver based on three years of minor violations. If you are convicted of a major violation, insurers can classify you as a high-risk driver for up to seven years. When researching your driving record for insurance, be aware that most of your traffic tickets and minor violations go away after five years and no longer impact your rates.

Why Do Moving Violations Affect Your Auto Insurance Rates?

Moving violations are another way for insurers to determine if you are a high-risk driver. Serious offenses have a lasting impact on your driving record and insurance. For example, if you are found guilty of reckless driving or Driving Under the Influence, those violations could stay on your driving record for up to 10 years. If you accumulate moving violations, your insurance rate will increase because your insurer believes they are taking on more risk.

How Far Back Do Most Companies Look at Your Driving Records?

Data shows that most companies will look back at your driving record up to the last three years for speeding tickets and other violations. Be aware that parking tickets will not increase your auto insurance rates in Beaumont, CA.

Do Auto Insurance Companies Look Back Three Years for DUI Convictions?

Generally, auto insurance companies will look back up to five years to see if you have been convicted for DUI.

How Far Back Does a Driving Record Go?

Generally, driving records store information up to the previous seven years.

Can My Auto Insurance Providers See My Medical Records?

Your insurer is prohibited from viewing your medical records unless you sign a medical records release form. However, your insurer is allowed to view your medical records when processing a claim.

How Far Back Do Auto Insurance Companies Look at Credit Scores?

Some auto insurance companies will go back over 20 years when factoring credit scores to determine auto insurance rates.

Your driving history impacts your auto insurance rates as insurers check your driving records to analyze how much of a risk you are before finalizing your policy. Our team here at Little & Sons Insurance Services can guide you through the process of getting the right auto insurance policy for your unique needs. Contact us today to get started!

Little & Sons Insurance Services

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Little and Sons Insurance Services is your complete insurance resource. Since we were established in 1922, we assist individuals and business owners with all of their insurance needs, whether it be for auto, home, or commercial insurance. As an independent, full-service insurance agency, our duty is to our clients’ best interests.

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