Reader’s Question:

I acquired a certified copy of my driving record which shows that I have no infractions in the last three years but I was in an accident about a year ago in a different state. When I go for auto insurance will they be able to know this or is all they check is my DMV record?

Ross

Appleton, WI

Most states are part of the Drivers License Compact or Agreement which permit them to transfer violation or infraction information between Motor Vehicle Agencies. It could be that your home state or state in which you had the accident is not part of this agreement and therefore the information did not transfer. Or it could be that the system is backed up and that the information will eventually come through and be listed to your DMV record.

Your auto insurance carrier might not show the accident if it is not showing up on your DMV record however if you put in a claim or had a claim filed against your insurance policy it is likely that shows up in their records. If the insurance carrier asks about your record it is always better to be truthful and upfront so that you can obtain an accurate quote.