What You Should Know About Your Driving Record

When in school, you may have been threatened that any poor grades or misbehavior may be noted on your “permanent record.” It was a record that would stay with you throughout your school years. If you are a licensed driver, the fact is you already have such a record. It is known as your driving record, DMV record, or driver’s report.

What all is included in your driving record and who has access to it? How does your driving record impact you in your daily life and how long do incidents stay on that report? Here’s what you should know about about your driving record.

What Information is included in Your Driving Record?

Your driving record will include your name and other personal information, including any restrictions on your driving record. Your driving record may also include:

• Any moving violations
• Accidents that resulted in a citation
• License suspensions
• Traffic school attendance
• Accumulated points

Who has Access to Your Driving Record?

The Department of Motor Vehicles has access to your driving record as do law enforcement. This means your driving record will likely be quickly reviewed when stopped for a potential traffic citation. Other parties with a legal interest can view your driving record and those with your permission may do so as well. Of course, you have access to your own driving record and you should review it occasionally to ensure its accuracy.

How Does Your Driving Record Affect You on a Daily Basis?

The most direct impact your driving record has on your daily life is likely in what you pay for automobile insurance coverage. Your driving record is a key component in determining insurance costs and significant violations can negatively impact your rates. On the other hand, as older, more serious violations fall off your record, your auto insurance rates may actually go down.

How Long do Incidents Remain on My Driving Record?

Depending on the severity of the incident, items will generally stay on a driving record from three to five years. Some states will record more serious incidents even longer, up to eight years or more. These serious incidents may include DUIs, reckless operation or DUIs with injuries.

An evolving driving record is just one reason you should have your automobile insurance policy reviewed. Our independent insurance agents will be glad to review your policy and provide a no-obligation quote. Contact us to get started today.