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Can Bad Drivers Be Insured?

Can Bad Drivers Be Insured?

Certain classes of business rely heavily on drivers to make things happen. Contractors, for example, typically have a larger number of drivers than an office, since they have to go from job site to job site in company vehicles. In a perfect world anyone hired by your company could be added to your commercial auto policy and allowed to drive. Unfortunately, some prospective employees have less-than-desirable driving records, making them ineligible to insure on your company auto policy.  Sometimes those drivers are current employees or company officers. Here’s how to spot an ineligible or difficult to insure driver, and what to do about it. Get An MVR A recent motor vehicle report (MVR) is the only way to be sure of an employee’s current driving record.  Insurance companies prefer that the MVR be less than 30 days old in order to be accepted as part of the underwriting process.  There are three ways to obtain an MVR: Have prospective employees bring their own MVR. A stop at the local DMV will result in a certified copy of the applicant’s MVR. There is usually a fee associated with this service. Check with your state’s Department of Motor Vehicles to find out the fee for your state. This is the most cost-effective hiring solution, as the fee and responsibility are on the applicant. Contract with a company that provides MVRs. There are many websites where employers can pull MVRs for applicants. However, there are fees associated with this service for each abstract that is pulled and the costs can add up quickly. Insurance company or broker pulls the MVR. Many policyholders...