Personal Information Needed by Car Insurance Company
Reader’s Question:
What information do insurance companies get if I apply for a car insurance in California?
Ray
Good question Ray.
The insurance company or an agent will ask for certain personal information if you apply for a car insurance. This would help them determine if you are eligible for the coverage and they will be able to know the price for your coverage. The information that will be collected if you apply for a car insurance are; driving record, automobile mileage driven and years of driving experience.
A Motor Vehicle Report will be ordered for all the drivers on the insurance application by the insurance company on some states. The Motor Vehicle Report is an official record of a motorist that can be obtained from the Department of Motor Vehicle. This is being use to verify any traffic offenses, license revocation and any accidents of all driver’s listed on all application.
In case of any unsatisfied judgment, major traffic or moving violations. license suspension and failure to show liability insurance, a California Insurance Proof certificate or SR22 is needed. This is being filed by the insurance company to the Department of motor vehicles. Normally the requirement period is up to three years. Any minor convictions remains on the record for 3 years, 7 years for the major convictions like hit and run, reckless driving etc.
Goodluck!
MariCAR
How Long Does a Traffic Violation Stay On My Record in California?
Reader’s question:
How long does a violation stays on my driving record in California?
Tanyah
Thank you for asking, Tanyah.
Convictions like hit and run, reckless driving under the influence (DUI) and other traffic offenses will remain on your driving record for 7 years from the violation date and counted as 2 points.
Other traffic violations and offenses remains in your record for only three years from the violation date and counted as 1 point. Accidents are reported for three years from the date of the accident and if you are found at fault, it is normally counted as one point.
Your drivers license may be suspended due to A DUI or failure to provide a proof of financial responsibility and it will be reported for three years from the reinstatement date or the proof of the termination date. If you fail to appear for DUI offenses, it reported for 10 years from the date of the violation. Failure to Appears and Failure to pay fines are reported for 5 years from the date of the violation.
Goodluck!
MariCAR
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