Motor Vehicle Record (MVR)
Definition. MVR is a driver's state-issued driving history. Commercial Auto carriers underwrite based on the combined MVRs of all listed drivers.
Also known as: MVR, Driving Record
Major moving violations, at-fault accidents, or DUI convictions in the past 3-5 years can make a fleet uninsurable in standard markets. Hiring drivers with clean MVRs is the single biggest controllable Commercial Auto premium lever.
Example
Trucking company with 5 drivers — 1 driver has DUI in last 3 years. Underwriting cancels and forces specialty market with 40% higher premium.
Sources cited
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📘 Educational content only.
Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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