If you switch to a new insurance company, do they check your driving record for tickets in NYS?

Question

and would they let the policy holder know if a driver got any tickets?

Answer 1

I assume NYS is New York State?

ALL insurance companies check your driving record, and the VIN number of your vehicle, through the C.L.U.E. (Comprensive Loss and Underwriting Exchange) which reports accidents any where in the U.S. If a claim was paid, it will be listed on the C.L.U.E. report. Even if you bought a used car, it will show up, with the name of the driver, if the vehicle was involved in an accident, or had a comprehensive claim prior to you purchasing it.

The insurance companies also request information, not only using your driver's license number, but also your social security number. If you have received a citation anywhere in the U.S., they will find it.

The policyholder will be notified, because if your driving record is adverse, the policy premium will probably be higher. If the driving record is very bad, you could be declined from coverage, or the policy be canceled.

If you have a bad driving record, you might be better off to obtain your own auto policy, to keep the other policy from being increased or canceled. If you are living in the household with a primary insured, and your driving record is bad, you may be excluded from coverage on his/her policy.

Insurance companies usually rate you according to your driving record for five years back from the date that your new policy will be bound. Some high risk carriers go back only three years.

If you have several tickets, you will probably be rated on a non-standard (high risk) policy.

So, don't try to lie when the agent asks you about your driving record, because the truth will come out.

Answer 2

Yes, they check the driving records, but the only thing the policyholder gets is bill for the extra premium, and the number of points on each driver's license.

Answer 3

They will check your record for five years, even if you have had a license in three states - it is a shared national database.