Do auto insurance companies check police records?

When looking for car insurance, one question some people ask is “Do insurance companies check police reports?. There are many reasons people worry about insurance background checks.

Perhaps they had a DUI years ago, and they wonder whether this could influence their acceptance or rates with a car insurance company. They may have a record due to something they did in their past and wonder what they can do.

The short answer to this is, “yes.” Car insurance companies do check police reports because convicted felons tend to be at a much higher level of risk for accidents.

This risk is proven with various statistics regarding people with a criminal record, even when the person has rehabilitated or seems to have shaken off their former bad habits that got them into the situation in the first place.Compare car insurance rates today to find out how much you could save on the coverage you need.

High-Risk Factors for Car Insurance

The following are some of the riskiest factors that insurers consider when granting insurance policies and determining your rates.

• Dangerous or violent criminals – Dangerous or violent offenders are more dangerous on the road, and there is a possibility that they could use their vehicle for criminal behavior that endangers the welfare of others including both pedestrians and other drivers. Nevetheless, it’s still possible to get car insurance for ex-offenders.
• DUIs (more than one, especially) – DUIs (especially repeated offenses) are a red flag to insurance companies. They tend to prefer people who have never had a DUI, but one is different than two or more. Once a person gets a second DUI, the tendency is to believe that the person has developed a pattern for this offense.
• Serious crimes such as kidnapping or abduction charges – Some of the most concerning crimes from an insurer’s perspective are those which involve the endangerment of others.
• Reckless or unpredictable driving – A criminal record also indicates that you may be a risk for reckless driving or unpredictable driving patterns that may put yourself or others at higher risk. This may result in much higher premiums due to your past behavior.

As you can see, insurance companies do not like to provide car insurance for felons. You are a much higher risk to yourself and those around you when you have engaged in criminal behavior in the past.

Even if your crimes had nothing to do with vehicular crimes or kidnapping, insurance companies still view you as a higher risk.

The result of this view is that they may not insure you at all if they feel you are too high of a risk to take. If you get denied for coverage with the company you are applying for, apply for another company instead.

There are some car insurance companies that accept felons, but if they do accept you, you can expect to pay much higher premiums than someone who does not have a criminal record or who has had no DUIs.

Misdemeanors such as speeding tickets or other infractions do not count as a criminal offense in most cases.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Applying for High-Risk Auto Insurance Coverage

One thing you can do if you are denied by the main company is to ask if there is a high-risk insurance department within your company of choice.

High-risk insurance (sometimes called an indemnity company) is willing to take on higher risk drivers than those who are on the normal insurance plans.

If no such situation is available within that company, shop around some more until you find one. There are companies who are willing to take on the risk of having a driver who has a criminal record as long as you are legal to drive and have legal proof of this.

If you do have a police record, you may be asked to provide some proof of your rehabilitation.

This proof may be in the form of court documents stating that you are legal to drive. It may be a court order for counseling services or rehabilitative services, showing that are seeking help for your behavior. A letter from your attorney or counselor may suffice to show what you are doing to improve yourself and your behaviors that got you into trouble before.

Any of these documents will go in your favor because they show that you are doing everything you can to improve yourself and to lower the risk to others due to your former violation of the law.

Why Background Checks From Insurance Companies Are Important

Insurance companies may conduct background checks to assess the policyholder’s risk profile and ensure fair premiums. By examining factors such as driving records, claims history, and creditworthiness, insurers can determine the likelihood of a policyholder filing a claim or engaging in risky behavior. Background checks help ensure that insurance premiums are accurate.

Allstate Insurance Background Check

Allstate, like many other insurance companies, check car insurance convictions in the last 5 years, as part of its underwriting process. Certain types of convictions such as felonies may result in a denial of coverage or higher premiums.

National General Insurance Background Check

Background checks from National General typically include a review of an applicant’s driving record, claims history, credit history, and any criminal convictions.

Liberty Mutual Background Check

When it comes to criminal background checks, Liberty Mutual evaluates each applicant’s situation on a case-by-case basis. The company considers various factors such as the type of offense, the severity of the offense, the time elapsed since the conviction, and any mitigating circumstances.

State Farm Background Check

As part of its hiring process, State Farm conducts background checks on potential employees to ensure a safe and trustworthy work environment. These background checks typically include a review of an applicant’s criminal history, driving record, and credit history.

What to Do When You Get Car Insurance for Convicted Criminals

The truth is that no one can do anything about their past. But you can do something about the future. If you can get car insurance (which is the law), be thankful and use this opportunity to vow to never get into the bad situation that you did before.

Promise yourself that you will do everything within the law from that day forward and that you will not even get a parking ticket. The more you can get away from racking up points on your insurance; the lower your premium will be.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Getting Car insurance With Criminal Convictions

Over time, you will see your rates start to drop somewhat, once you have proven that you can be trusted again. Make sure that you have the minimum requirement state coverages and that you carefully consider some of the optional coverages such as comprehensive or collision to cover your car.

If you do not have a felony record, good for you! Maybe you just want to know what the insurance background check will reveal about you.

Remember that credit card debts or any other civil issues you may have had are not crimes and these will not show up on your record.

As long as you have no criminal offenses, you will come out clean. If you are in this situation, congratulations. You will likely get the best rates available for your class once your age, driving record, and other information is factored in.

You can search specifically for high-risk insurance online to compare policies and prices. You will most likely find multiple companies willing to insure you, giving you the opportunity to decide on your best option. Enter your zip code here to begin your search now.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption