Can I Lie About My Driving History?
You can try. Technically it is considered "soft fraud". It won't matter anyway. All carriers run your history reports before (or sometimes after) they write your policy. Most run the reports before they will bind the policy. Your reports largely determine your rates so they can be very significant in your pricing.
Bad history means higher rates
Some carriers will not insure you at all!
Carriers will run two main types of reports for an Auto policy.
The CLUE report provides a 7 year history of claims associated with the driver/car. It will show the date of the loss, the type of loss, the amount paid out and the driver and car associated with the claim. Your agent can send you your CLUE and you can dispute any claims that are on your report in error.
The Motor Vehicle Report (MVR) provides your driving history, including your drivers license history (including suspension/cancellations), your traffic violations/citations and DUI convictions. The time frame of the MVR varies by state.
Auto insurance carriers use these reports to decide what the risk is to insuring you. The greater the risk (bad history), the higher the rates. So a clean driving history will earn you better rates. Most carriers will look back 5 years, but some go back only 3 years.
Your driving history is very important to your rates (and to job opportunities if they involve driving!) You can lie all you want. We have had people tell us they have not accidents or tickets and then we find out they have both. "Oh I forgot about that" seems to be the common retort. The reports will show your history, whether you have revealed it yourself or not.
There are three ways to request a quote for your insurance needs:
* Visit our website
* Email us
* Call Brockman Premier Insurance at 877-987-8683