The Hartford generally checks your driving record every 6 to 12 months, when you apply for a new policy or renew an existing one. Most car insurance companies tend to check less frequently if you have been their customer for a while, however, as they already have a sense of your driving habits.
Key Things to Know About The Hartford Driving Record Checks
For new customers, The Hartford will check your driving history to determine your insurance rates and how risky of a driver you are to insure. A recent at-fault accident or serious traffic violation could significantly raise your rates.
Once you are an existing customer, The Hartford will run a check on your driving record at least a few weeks before your policy is set to expire. This allows The Hartford to reassess your riskiness and determine your premium.
The Hartford gets your driving record from your state’s DMV or LexisNexis, and they check the past 5 years for accidents and moving violations.
If you were cited for a moving violation or got into an accident mid-policy, your rates will not change until your next renewal.
If your driving record has any new violations since The Hartford last checked, your rates will likely increase. For example, The Hartford insurance premiums will increase by an average of 121% after an accident, and by 54% after a speeding ticket.
If your The Hartford insurance rates recently increased because of an accident or a moving violation on your driving record, you can look for discounts from The Hartford to help lower your rates, consider increasing your deductible, or potentially trade in your car for one that is cheaper to insure. You should also compare quotes from other companies to see if you could get cheaper rates by switching insurers.
Yes, The Hartford has accident forgiveness for car insurance customers. The Hartford accident forgiveness applies to one accident every five years, and it can be purchased as a policy add-on if all drivers on the policy have a clean driving record (no accidents or violations) for five consecutive years.
Keep in mind that The Hartford accident forgiveness is per policy, not per driver. As a result, if one driver on a shared policy caused an...
The Hartford insurance rates go up by an average of 48% after an accident. Drivers who have The Hartford accident forgiveness will not see their car insurance rates go up at all after their first accident in 5 years, however. Even if the accident can't be forgiven, it will only affect your insurance rate for 3-5 years, depending on your state.
The exact amount that premiums go up after an accident depends on a few factors,...
Insurance companies get driving records directly from state DMVs or LexisNexis. When buying auto insurance, you agree to let car insurance companies check your official driving record for past moving violations and your CLUE report for past auto insurance claims.
Records That Insurance Companies Check
Your driving record, also known as your Motor Vehicle Record (MVR), generally contains information about your driver’s license, moving violations, DUI convictions, and completed defensive driving courses....
WalletHub Answers is a free service that helps consumers access financial information. Information on WalletHub Answers is provided “as is” and should not be considered financial, legal or investment advice. WalletHub is not a financial advisor, law firm, “lawyer referral service,” or a substitute for a financial advisor, attorney, or law firm. You may want to hire a professional before making any decision. WalletHub does not endorse any particular contributors and cannot guarantee the quality or reliability of any information posted. The helpfulness of a financial advisor's answer is not indicative of future advisor performance.
WalletHub members have a wealth of knowledge to share, and we encourage everyone to do so while respecting our content guidelines. This question was posted by WalletHub. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.