A driver’s MVR is an important snapshot of his driving history and should be reviewed carefully. Each driver’s MVR should be reviewed on an annual basis to assure driver’s stay within insurance guidelines for acceptable moving violations, accidents, and non-moving violations within the last 36 month period. Drivers that are placed on probation, should have an MVR review every quarter. The MVR should also be used to verify information on, both the application and the Certificate of Violations, as well as the Annual Review of Driving Record.
The Truck Insurance Group’s guidelines to determine the acceptability of a driver’s MVR is drives using the following point value system. The maximum acceptable number of points may not exceed (3) within the last consecutive 36 month period.
Use the following Point Value System to determine each individual driver’s total points.
When two violations occur on the same date, use the higher point value.
- 1 point (speeding < 15MPH, any other moving violation)
- 2 points (speeding >= 15 MPH, Following too closely improper lane change accident.
Non-Moving Violations – non-moving violations such as equipment or seat belt violations, count (1) point every (3) occurrences within the last consecutive 36 month period. Mechanical or non-moving violations are of major importance as an excessive number of these violations might indicate a driver’s habitual disregard of traffic laws, safety regulations, and the mechanical condition of his or her equipment.
Any Driver within a conviction within the last 5 years for the following violation(s) in a Commercial Motor Vehicle or Private Passenger Vehicle is not eligible to operate equipment which The Truck Insurance Group Insures.
- DUI or test refusal
- Reckless Driving
- Hit and run
- Leaving the scene of an accident
- Passing a school bus
- Any other felony