Checking Motor Vehicle Records (MVR) on Delivery Employees

What is an MVR, what is it used for, and who should be checked? A motor vehicle record (MVR) is a historical driving record that can be used to determine business risk associated with current and potential drivers. MVRs may include:

  • Candidate’s driving history for a selected period
  • Speeding or other moving violations
  • Chargeable accidents
  • DUI offenses
  • Suspensions or revocations
  • Accumulation of points
  • Driver License Number
  • Any restrictions on a driver’s license
  • Vehicular crimes

Insurance companies can use an MVR to determine the exposure in insuring a specific driver. If a potential driver or existing driver has a poor driving history with several suspensions, revocations, or moving violations, then the insurance company may insure that driver at a higher premium level. Worse yet, the insurance company may not insure the specific driver at all. Simply put, the better the driving record of the employee, the better your chances are of getting affordable auto coverage for your business.

For a business with delivery, the risk associated with a single catastrophic auto accident could be enormous. One way to manage this risk is by using MVRs to select and retain quality delivery drivers. With an MVR, the business manager can identify high-risk drivers before they are involved in an auto accident. It can also can help a company improve on safety by targeting past driver behavior with future training programs. For example, if your drivers have a history of small backing-related accidents, then a training program can be developed to reduce these auto claims.

At a minimum, any company that has delivery drivers should run an MVR at the time of hire and annually thereafter to ensure they have good driving records and are properly licensed. Since MVRs are considered a type of background check, it is important to develop a company policy that has been reviewed by your legal representative.  This policy should include anyone using a company-owned vehicle or a personal vehicle on company time. A company can spend thousands of dollars in court costs and attorney’s fees if the driver-screening process is not completed appropriately.

While an insurance agent may help you with some of the above steps or check driver MVRs on the behalf of the insurance carrier, the management and retention of quality of drivers is the basic responsibility of your business. This important management process should not be delegated to an outside party.

An MVR is an important tool that can be used by an insurance company and/or a business to assess the risk of both potential and current drivers. Using MVR’s to retain quality drivers may reduce the costs related to insurance premiums, court costs/attorney’s fees, and equipment repairs.

When it comes to risk management, prevention is key. Click here for more resources from Society’s risk control experts to help strengthen your loss prevention efforts and provide sustainable real-world solutions for your business. For more information on how Society Insurance can protect your business, contact your local Society insurance agent.

Author

Jay graduated from the University of Wisconsin-Whitewater with a B.S.E. degree in Occupational Safety in 1985. He began his career working in the risk control departments of various insurance companies. He joined the Society Risk Control Department in 1999.

Latest Articles

Why Periodic Roof Inspections Are Essential

When thinking of how to keep your business running smoothly, the outside of your business matters...

Three Tips for Engaging Remote Employees

Remote work has become increasingly popular over the last decade as more people look for work-life...

HOW TO REJECT CANDIDATES WITHOUT BURNING BRIDGES AFTER A JOB INTERVIEW

The landscape of human resources is changing rapidly. With the explosion of social media and sites...

6 Ways to Find Exceptional Job Candidates

Recruiting new employees is one of the most important responsibilities of any business. A skilled...

What Is a Declarations Page and Why Do I Need One? | Society

Declaration pages are one of the most vital parts of any insurance policy. Also called a dec page...

How To Nail Your Home Office Ergonomics

There has been a steady rise in remote and home-office work. This has led to companies and...

Top Questions Job Candidates Ask at the End of An Interview

When you’re getting ready to interview potential job candidates, you’ll likely spend some time...

Five Ways to Kickstart Employee Mental Health Programs

As the modern workplace continues to evolve, many companies are beginning to see the importance of...

Avoiding Copyright Claims & Mitigating Cyber Liabilities

Intellectual property is a tricky concept, particularly when it comes to the internet. While...

Stay up to date with industry updates by subscribing to the Society Insurance blog!