Motor vehicle records (MVR's, for short) are an important part of the insurance business. Insurance agencies everywhere spend a lot of time on them -- ordering copies, reviewing them, flagging drivers with poor records. Much of the time, there are other people interested in sneaking a peek at the information in those records, and they want their insurance agents to share. These people tend to be the ones who write paychecks to the drivers described in the records. When this situation comes up (and that is almost daily), agents have two questions: Can they share the MVR's? Should they share them?
The new episode of the Ask Tim podcast seeks to answer those questions. Special guest co-host Dee Macheda joined me for this little eight-minute exploration of insurance geekiness. We examine in some detail:
- The prohibitions and allowances under the federal Drivers Privacy Protection Act
- The limitations commonly found in contracts with vendors of MVR's
- Some provisions of the federal Fair Credit Reporting Act that also apply.
Special thank you to my son Nathan Dodge for providing the prop that Dee used during the filming of this podcast, an act that was both generous and done completely without his knowledge.