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How Far Back Do Insurance Companies Check Driving Records?

How to Deal With Insurance After an Accident?

Got a ticket in the past couple of years? Or got a ticket 7 years ago? It’s too long to count, right? However, fret not, if you got a ticket more than five years ago, then it might not have any impact on your current insurance. In simple words, insurance companies check driving records for the past three to five years only! 

How far back do auto insurance companies look? This is a big question that always pops up when we apply for auto insurance. Yes! This is true. And, the answer is, if your driving record is clear in the past five years then changing insurance policies or changing insurance companies won’t charge you extra.

Although insurance companies check driving records for the past 3 to 5 years, that should not be your mighty concern. Whether you have a ticket for five years or not, you may not need to pay extra charges for insurance coverage. You can find many auto insurance companies offering the best coverage at the lowest rate possible. Curious? Go through the blog and learn more! 

How Far Back Do Auto Insurance Companies Look at Your Driving Record?

The state department of insurance in each state determines that the further back the firms look at your driving record. Most regions will only look back three years, but it’s feasible that the firm will search further.

For instance, a significant traffic infraction or DUI will remain on your record for a maximum of seven years and have a bad influence on your rate. While businesses typically go back three to five years, if you have a past infraction beyond this time frame, you may want to verify with the insurance just in case.

Do All Auto Insurance Providers Look Into Your Driving Record?

Yes, is the clear-cut response. If you want insurance coverage, you cannot hopefully avoid your driving history is evaluated.

The organization will request your driver’s license number in order to obtain your data on an individual level rather than based on the car. No matter how frequently you switch vehicles, your driving history follows you.

When Was The Last Time Your Driving Record Was Checked?

In general, the corporation will only look into your driving history if there is a compelling cause to do so. For instance:

  1. You’re requesting a new insurance plan.
  2. You’re receiving a fresh estimate.
  3. Your auto insurance is about to expire.

However, you should be aware that the insurance provider may recheck your driving history if you request a change in the amount of coverage, a change in the vehicle you drive, or the addition of another driver to the same policy.

Finally, if you move, the insurance policy will vary and the risk will be revaluated. This implies that your driving history will be reviewed once more. When your insurance expires, it’s likely that your renewal cost will change if you receive a speeding ticket or are involved in a minor crash while it is still in effect.

Do Car Insurance Companies Record Phone Calls?

In order to ascertain if a driver was talking on the cellphone at the moment of the collision, insurance companies seek access to the driver’s phone logs. An important contributing factor in auto accidents is inattentive driving. The insurance company is attempting to show that distracted driving was the cause of the collision. 

You might be asking yourself, do car insurance companies record phone calls? Is it mandatory to share your personal data with the insurance agent/company after an accident? You might decide to give the insurance provider access to your data if you weren’t on the phone. But bear in mind that the insurance is constantly seeking an excuse to reject a claim.

Your right to privacy is likewise a matter of concern. You can urge the insurance agent to change its demand if you weren’t using your cell phone at the time of the crash. They would be able to access the mobile phone records first from the accident’s time and date solely thanks to all this.

Your Car Insurance Rates and Your Driving Record

Your risk rating with vehicle insurance providers will rise with each accident or traffic infraction until they expire. The corporation decides how much further to search through your records. Nevertheless, if you’ve just received a few speeding fines recently, it could not have a significant impact on the final cost.

Read our article to learn how to acquire affordable auto insurance despite a poor driving record. The great news is that if you’re fortunate enough to have a spotless driving record, then you may avoid a premium and possibly qualify for safe driving discounts.

The actions listed in your report include those that will raise the cost of your auto insurance, including:

  1. Citations for traffic infractions
  2. Convictions relating to driving
  3. Tickets for parking
  4. Incidents, both minor and major
  5. Limits imposed on your license (medical or optical)
  6. License revoked or suspended

Your report excludes any criminal background entirely irrelevant to driving.

Is it Possible to Check your Own Driving History? 

You can review your own driving record if you are uncertain about whether you should indeed be concerned before applying for auto insurance. You can pay a little price to get a copy from your local DMV and find out what the insurance provider will see.

Your traveling beyond the United States will be the sole thing left out of the report. Some companies might also check your valid driving history if you previously resided overseas. WalletHub affirms that it is a smart option to see a copy of your driving history before you fill out an application for coverage if you are unclear about what it contains. LexisNexis will provide a copy upon request.

Maintain a spotless driving history if you want to get the cheapest value on vehicle insurance. Verify your personal past as well as what the business will find when determining your risk. Visit our in-depth article for more details on how to reduce your auto insurance costs.

Keep in mind that when insurance companies determine your price, your driving history is only one of several factors, and you can still receive a discount by hopping more insurance agencies.


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