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A motor vehicle report (MVR) details your driving history including traffic offenses, accidents and other driving violations. Insurance companies use the information in your MVR to evaluate your driving risk and set your car insurance premium. A motor vehicle report (MVR) is a record of your driving history.
A motor vehicle report (MVR) is a record of your driving history that lists your personal information, along with any violations or accidents youve had. Car insurance companies use your MVR to determine what you pay for car insurance.
Acceptable Driving Record means any record (and the aggregate of all such records) obtained by COMPANY or its agent from any government agency, insurance company or other person, of LESSEEs history of (1) being licensed as a driver, including as a driver of any vehicle licensed to carry passengers or property; (2)
Progressive factors the accident into your insurance premium for the first 3 years. At that point, the accident no longer affects your premium, but it will still show up on your record and may affect your eligibility for certain discounts. After 5 years, the company no longer keeps a record of that accident.
A clean driving record is defined as a motor vehicle record (MVR) with no violations, at-fault accidents, or traffic-related convictions for a set amount of time. Its the ideal situation for any driver, but a violation doesnt completely negate the chance for a clean driving record in the future.
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Insurance companies often look at your claims history and the claims history of your home when theyre determining your insurance premium. How far back they look depends on the particular company, but claims tend to stay on your insurance claims history report for five to seven years.

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