Are insurance companies able to check your previous driving history?

Eddy J: Can insurance companies check a drivers convictions following an accident?
Are Insurance companies able to check your previous driving history – say following a ban, after you have an accident.
Hi – isn’t an MVR related to your vehicle registration? What if you insure another car? Also, wouldn’t that show the accidents you have but not any convictions?

Answers and Views:

Answer by Uncle Jed Knows
Yes they can. You cant hide from them.

Answer by Jihn
If it is on your driving record then then the answer is yes.
You can get a copy of your driving record by paying a small fee at your local DMV office.

Answer by mybuttstinks2008
Yes
Yes
Yes

Answer by ♥ Embracing Optical Freedom ♥
Yes, insurance companies run an MVR (Motor vehicle report) on you when you first buy the policy. They also run your MVR every time your policy renews to see if you’ve had any violations. They will then adjust your rates accordingly.

Answer by oklatom
Yes, they can run your driving record anytime they need to access your risk factor.

Answer by duffmanasu
Sorry, you’ve got your information backwards. Most insurance companies will run an MVR (Motor Vehicle Report) on you based on your driver’s license number and they will also run a CLUE report (vehicle history report) on the car based upon the VIN number.

The CLUE will tell them if that particular vehicle was in any accidents, but it may not tell them who owned or insured the vehicle at the time of the accident.

The MVR will show them any traffic violations you have on your driving record. This includes traffic convictions, but not convictions for other offenses, such as assault, breaking and entering, etc.

If your license was suspended due to an accident, or you have any traffic violations due to the accident, the insurance company will find out.