• Have the potential driver provide you a copy of the driving record by going to https://scdmvonline.com/Driver-Services/Drivers-License/Driving-Record : 
• Pros
• You are not at risk of entering Personal Identifiable information into a computer system including name, date of birth, driver’s license number, social security number
• The potential driver assumes the cost of the record
• You can forward the report to the insurance agency to analyze the risk
• Cons
• Potential driver could falsify the document prior to your receiving it
• Puts expense on the potential added driver. (you could reimburse them)
• The document is mailed to the driver and the downloadable version is available to the driver at the time of submission. You are not getting the original document. 

• Obtain the record yourself at https://scdmvonline.com/Driver-Services/Drivers-License/Driving-Record. We recommend obtaining the 10 year record
• Pros
• The driver does not take on the expense
• You can download the document immediately
• You can forward the report to the insurance agency to analyze the risk
• Cons
• You take on the cost of the document
• You are entering personal identifiable information of a potential driver into a public computer database. 
• The time to obtain the record

• Have the Insurance Agency / Carrier pull the report
• Most carriers will not pro-actively pull reports. Drivers must be added and rated for. The rate or eligibility is adjusted re-actively and not real time. 
• In many cases the insurance agency is unable to get a copy of the MVR ran by the carrier and not privy to the information on the record. 
• The Insurance Agencies typically are not going to run the report on behalf of the business owner due to making transactions with Personal Identifiable Information. This is an additional Cyber/Data liability risk. 
• Insurance agencies may not be willing to afford the cost associated with pulling reports

This Article was Written by  David Hanor, Personal & Small Business Advisor at Advisors Insurance Agency