Lifestyle

What is a motor vehicle report? What you need to know about it

The Motor Vehicle Report or MVR is also known as a driving record. Think of the MVR as your driving record, documenting everything from tickets, accidents, DUI convictions, licensing factors, car-related crimes, etc. Your MVR also contains information about your driver’s licence, such as licence class, restrictions, endorsements and personal information such as your age, height or weight.

The MVR is essentially a report on your driving performance and behaviour. Often referred to as a driving report, it contains only documented incidents and violations that have occurred. The length of time an infraction will be recorded on your MVR depends on each state, and the most common infractions are administrative licence suspensions.

Why does my car insurer need a duplicate MVR?

Your car insurance rates are largely based on how dangerous you are as a driver on the road. If your MVR indicates that you are likely to have accidents or commit offences, an insurance company may need to factor this into the premium you pay. If you have committed serious offences, such as drink driving, this can have a significant influence on the speed that insurance companies are likely to give you, even though you have a clean record.

Depending on the state you live in, certain gadgets may also be removed from your MVR after a certain period of time. For example, some offences, such as a DUI, stay in your memory longer, while other offences, such as a speeding ticket, maybe erased more quickly.

Whether or not offences are removed from your record after a certain period of time, most car insurance companies will only take a detailed look at the last few years on your MVR. Also, there can be many instances where you might need a copy of your driving record. Just for an example, most big companies frequently check the driving records associated with their drivers, just to ensure that everything is okay, and to avoid legal activities.

How can I get a replica of my MVR?

You can call or visit your local Department of Motor Vehicle (DMV) to request a duplicate of your MVR, but if you are applying for auto insurance, the insurer will contact the DMV to obtain a copy. Ordering a copy of your MVR can be useful, as understanding all the fine print on your record can help you estimate the number of insurance premiums you are likely to pay.

The downside of ordering a replica is that it will probably cost you between $5 and $25, depending on the state you live in. A word of advice: ask for an uncertified version, as it often costs less than an “official” version. You won’t be able to use it for a job interview or court appearance, but it will contain all the data needed to see your history and approximate your car insurance rate.

That ends this piece of information here. We hope that our readers would find it helpful. You can drop your comments below!

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