An insurance company has the right to review the driving record of anyone who applies for an auto insurance policy from that company. The purpose of this initial review is twofold:
To determine whether you meet the insurer’s standards of insurability, and
To evaluate your risk potential.
Depending upon what state you live in, once you are issued a policy, your insurer could have the right to review your driving record at any time. There are certain times when your insurance company will check your record. These include:
when you initially apply for coverage
when you request a change to your policy (increased coverage amounts, etc.)
when you add a vehicle to your policy, or change the covered vehicle
when your policy comes up for renewal