An MVR report, or motor vehicle record report, is an official summary of an individual's driving history obtained from a state department of motor vehicles or equivalent agency. It typically lists licenses held, traffic violations, at-fault accidents, DUIs or DUI's, license suspensions, and revocations over a specified period. Life and disability insurers use MVR reports as part of underwriting to assess accident risk, driving-related mortality, and potential behavioral concerns such as reckless driving or impaired driving. Frequent violations, serious offenses, or recent DUIs can lead to ratings, exclusions, or declines, especially for higher face amounts. MVR reports help verify application statements about driving history and support consistent risk classification across applicants with similar records.

In day-to-day underwriting, MVR reports are ordered routinely for applicants above certain age or face-amount thresholds. Producers may be notified when an MVR report reveals material issues, such as multiple speeding tickets, at-fault accidents, or a recent DUI that the client did not disclose. Advisors often need to explain to clients why driving history affects life insurance pricing and why accurate disclosure on the application is important. Some carriers have specific underwriting grids that correlate MVR findings with risk classes or table ratings. For preferred classes, clean MVR reports with no recent violations are typically required. During policy reviews or replacements, new MVR reports may be ordered, and a deteriorating driving record can result in less favorable offers than the original policy. Understanding MVR report impact helps advisors set realistic expectations and coach clients toward safer driving habits.