Motor Vehicle Records (MVR) - Helping you identify driving concerns
An excellent tool you can use to protect your organization from risks associated with suspect driving records is a policy to obtain and review current MVRs for each driver. This can provide you with an indicator that can be helpful in determining what kind of risk that person presents to your organization when they are behind the wheel.
MVR driver information is maintained by each state and can be obtained either directly from the state or from an MVR vendor company. This should be done initially for all new drivers by ordering MVRs for every state in which they've held a driver's license for the past three years and annually thereafter in your current state.
An important aspect of this policy is determining the criteria on what constitutes an acceptable driving record. This is best done when basing the criteria on the individual's record of violations instead of basing it on a point system since not all states assign points and others do not assign the same points to each violation. This kind of system is based on the frequency and severity of motor vehicle violations.
Examples of major motor vehicle violations can include:
- Driving under the influence of drugs or alcohol and/or the refusal to take a blood/breath test
- Negligent vehicular homicide
- Any felony involving the use of an automobile
- Fleeing or attempting to elude the police; failure to stop and report an accident in which the driver was involved
- Reckless, negligent, careless or aggressive driving
- A violation in connection with a fatal accident
- Driving under a suspended, revoked, or expired license
- Leaving the scene of an accident - hit and run
- Permitting an unlicensed person to drive
- Operating a motor vehicle without the owner’s permission
- Racing or excessive speeding of 20 mph or more over the speed limit
- Following too closely or tailgating
- Erratic lane-changing
- Moving violations in school or construction zones
Examples of minor violations might include:
- Failure to obey sign
- Speeding less than 20 mph over the speed limit
- Failure to yield
- Illegal turn
- Parking violations
Once accidents and violations have been classified, many organizations use some type of tool to evaluate each driver’s record. A grid like one below is an example of how to go about evaluating an MVR record within the past three years:
|No. of minor violations|| No. of at-fault accidents
|3 or more
|Any major violation
Motor Vehicle Records are an important tool in protecting your organization from driver risks. It is a critically important piece of information they should use in determining which drivers are eligible to drive for your organization.
*Markel Specialty is a business division of Markel Service, Incorporated, the underwriting manager for the Markel affiliated insurance companies.
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