How to check the driving record of my employees and prospective employees?

How to check the driving record of my employees and prospective employees?

Advisors Insurance Agency

As a business owner , what’s the best way to check the driving record of my employees and prospective employees?
Anyone who gets behind the wheel of a business vehicle can drastically affect the bottom line of insurance costs. Here are the recommended best practices for pre-screening drivers on a commercial auto policy:

• 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