Driving Record: How It Impacts Your Life

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Driving Record: How It Impacts Your Life

A driving record is usually based on a points system. The number of points you have accumulated through the years may impact your career. It can also affect your ability to find affordable car insurance premium offers.

Your driving record can impact many things. It may affect anything from a job opportunity to securing a loan. One of its more common applications is for auto insurance. Depending on the insurance company, your driving record may or may not impact your premiums.

Driving Record: The Impact of the Points System

A typical state DMV would have a points system that the government uses to track your record. Each infraction corresponds to a number of points. Examples of infractions are:

Whenever you are found guilty of a violation, the corresponding points are added to your record. More points mean a worse record.

A bad record may not impact a job application at all, especially if your job has nothing to do with driving. However, certain companies perform routine checks on both current and prospective employees. This may be part of a regular auditing process performed by the human resources department.

Such background investigations are governed by legal limits, however, such as the Driver’s Privacy Protection Act. This law restricts the amount of information a third party (such as an employer) can access from your DMV record without your consent.

If you are taking out a loan on a car or are applying for car insurance, the number of points in your record could impact your application. A car insurance company will generally have the right to check the record of an individual who wants to sign up for a policy under the company.

If you do have violations, your driving record will let the insurance company know if you meet its insurability standards. Under certain circumstances, multiple violations may mean that you will not be issued a policy. But car insurers have varied guidelines and some even specialize in insuring drivers with less than spotless records.

Useful Driving Record Links:

Each state has its own DMV page. In your search engine, type in the name of the state followed by “DMV.” Some examples: