Remember back when they told you in school that the bad things you did were going to show up on your “permanent record?” While I’m not sure if such a document actually existed in school, but the state sure keeps one – your driving record. In nearly every state, a detailed record of your driving history is kept. This record is referenced by the state, your insurance company and even potential employers. Knowing the type of information reported on that record, and what your record says about you is important. Here’s a breakdown of the information that will appear on your record.
What Shows on Your Record?
No matter where you live, records are kept of your driving history. These records typically go back three years or more. Here are most of the main details included on that record.
Penalties – Any points or fines received from citations or accidents.
License Information – Your basic license information such as the number, the type of license and any restrictions or endorsements.
Identifying Information – Your name, address and maybe even a brief description of your appearance (height, weight, etc.).
Accidents – Any accidents that you have been in will be documented if there was a police report or insurance claim filed.
Driving Violations – Any tickets or driving violations are going to be listed in your driving records. This will likely affect the insurance premium that you receive.
What a Driving Record is Used For
In most cases, the only people that will ever see your driving record are the local DMV or driving officials and insurance companies. Insurance companies make use of driving records to determine the risk level of a policyholder. Those with a clean driving record will pay lower premiums but those with lots of points, well, not so much.
In some states, prospective employers will also take a look at your driving record to help them determine whether to hire you or not. This is especially true if your job duties will include the use of a company vehicle.
Getting a Copy of Your Record
If you want to know what is on your record, you can find out by ordering a copy for yourself. You can request a copy from your local DMV office or directly from your state’s motor vehicle website. Expect to pay a small processing fee.
Just like your credit report, a driving record is best when it’s clean. Of course, you can keep it that way by avoiding accidents and citations. If you have had points added for these reasons, many states allow point reduction for drivers who voluntarily complete a defensive driving or traffic school course. Even if your record is clean, taking a defensive driving course may still be a good idea as many insurance companies offer discounts to drivers who have completed a course.
To see if a driving safety course could help you, check out the easy-to-complete online class offerings from ApprovedCourse.com.