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The article has been updated successfully but requires approval before it is published.Last Updated 26th of August, 2010
Will an auto insurance company check my driving record every time I renew insurance?
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An insurance company can scan your driving record at any time. But, in general, your driving record is most likely to attract the scrutiny of your car insurance company when:
All state DMV offices work closely with car insurance companies, sharing information on vehicle registrations, dropped insurance policies, driving violations, and auto accident reports. So unless you're involved in a minor car accident (backing into a tree or sign post, for example) involving no one else and you opt to pay for the repairs out of your own pocket, your insurance company will be made aware of all other driving mishaps and violations, which, in all probability, cause your insurance rates to jump.
- You add a vehicle to your current auto insurance policy.
- You apply insurance renewal.
- You initially apply for car insurance coverage.
- You change vehicles.
- You amend your current car insurance coverage to add or drop drivers, or increase or decrease protection amounts.
- You file an insurance claim.
Avoid Rate Increases When You Renew Insurance
When it comes to driving, your insurance company is like Santa Claus in that it always knows if you've been bad or good. So if you get a traffic ticket, or a speeding ticket, or are arrested for DUI you can be assured your auto insurance company will know of it. Like it or not, but traffic violations stick to driving records like burrs to clothing.All state DMV offices work closely with car insurance companies, sharing information on vehicle registrations, dropped insurance policies, driving violations, and auto accident reports. So unless you're involved in a minor car accident (backing into a tree or sign post, for example) involving no one else and you opt to pay for the repairs out of your own pocket, your insurance company will be made aware of all other driving mishaps and violations, which, in all probability, cause your insurance rates to jump.
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