Do insurance companies check your driving record?

I recently got into an accident and had to submit a claim. I also got a ticket for speeding. Since I have insurance, will my insurance company check my driving record again? Do companies only check driving records when you first apply for insurance?

Answer
“Most car insurance companies check your driving record when you first apply for insurance and every six to 12 months after that.
Every time your policy is up for renewal, your insurance company has a right to raise or lower your rate and your driving record plays a pivotal role in determining that rate. Since you had an accident and a speeding ticket, they may choose to increase your rate at your next policy renewal.
Before your policy is set to renew, your carrier will send an updated rate along with your policy coverages and conditions. Your insurance company or you could also decide to not renew your policy at this time.
If you decide the rate isn’t in tune with your budget, you can always shop car insurance quotes online to see what other rates companies may offer you.”
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Emily Maracle
Answered on Jul 29, 2021
Emily Maracle is a car insurance specialist living in New York. Originally from the Pacific Northwest, she has a degree in English Literature and a background in customer service. She enjoys cooking, gardening, and living sustainably. In the future, she can't wait to upgrade to a hybrid or electric car.
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