Dmv Driving Record Virginia

dmv driving record virginia
Driving history of DMV’s vs. Insurers’ ?

I had a car accident 8 months before. However, when i request my driving history from DMV, it doesn’t show up anything about that. At the time of the accident, i didn’t get a ticket. The police officer only gave me a case number if in-case need to receive the accident report. The accident was not that bad. However, my insurance had to pay some expenses for cover. I has been out of insurance for about 6 months from now and i was not driving either in those time. Now, my question is: do i need to mention about this accident to the insurance company that i want to by now? ( of course a different one from the one i used to have) I am thinking not to say a word about it as my DMV record doesn’t show anything. Any idea ? do u think these insurance companies exchange information on another ?

The only time an accident will appear on your drivers license is if in an accident the police are called and you fail to produce proof of insurance. But apparently that did not happen since you had insurance. The only other thing that will appear will be tickets such as parking, speeding etc on your DMV record.

When you go to buy new insurance, you will be required to fill out an application and it will ask you if you had any accidents for either the last 3 to 5 years. If you fail to disclose this accident, then if you were to file a claim and they find out later that you did not disclose, they can VOID out your policy for misrepresentation, or otherwise known as insurance fraud.

Many insurance companies report all claims to a data base called CLUE, which many companies might check before insuring you. Also since you have been uninsured for over 6 months, this will cause you to have higher premiums due to a lapse in coverage. Granted you were not driving and had no accidents, but insurance companies look at this as high risk.

So the new company will look at your drivers license, will ask for proof of prior insurance, which they will ask from the other company with the former claim and base the quote they give you based on that info. If the former company did not pay out a lot, may help you.

Don’t lie, or could find yourself w/out insurance even if you buy it.

good luck

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dmv driving record virginia