HOW TO READ. LexisNexis Motor Vehicle Record

Transcription

1 HOW TO READ LexisNexis Motor Vehicle Record INS0019-EN_US 26 November 2018

2 LexisNexis shall not be liable for technical or editorial errors or omissions contained herein. The information in this publication is subject to change without notice and is provided as-is without a warranty of any kind. Nothing herein should be construed as constituting a warranty, as any applicable warranty is exclusively contained in your signed agreement with LexisNexis. All names in the text, or on the sample reports and screens shown in this document, are of fictitious persons and entities. Any similarity to the name of any real person, address, school, business or other entity is purely coincidental. Motor Vehicle Record is a consumer reporting agency product provided by LexisNexis Risk Solutions Inc. and may only be accessed in compliance with the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq. LexisNexis and the Knowledge Burst logo are registered trademarks of RELX Inc. SVC is a trademark of LexisNexis Risk Solutions Inc. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright 2018 LexisNexis. INS0019-EN_US 26 November 2018 MVR How to Read Page 2

3 C o ntents Introduction Additional Information Report Header Section....5 MVR Processing Statuses....7 Processing Characteristics....7 Driver License Information Section....9 Driving Record Section....9 Miscellaneous and State Specific Section State Information LexisNexis Messages Error Messages Personal Information Section INS0019-EN_US 26 November 2018 MVR How to Read Page 3

4 I n t r oduction LexisNexis Motor Vehicle Record (MVR) is an automated method of verifying a person's driving history. The MVR contains your order information, individual driver information, and driving history. This document is designed to help you understand the report. We have illustrated each section of the report and provided essential definitions and descriptions. Additional Information LexisNexis offers a technical documentation site ( that contains multiple documentation resources for MVR. The following table provides other documentation related to ordering or receiving MVR from LexisNexis. Other MVR Documentation Document MVR TIP (Technical Information Packet) MVR Inform V2 MVR Order Requirements by State MVR Order Edits MVR STF Messages MVR State Activity Files LexisNexis SVC (Standard Violation Code) Information MVR License Class Codes MVR License Status Codes MVR Standardized License Status Codes Provides system-to-system implementation of the MVR product. Provides fixed length MVR specifications. Provides key information related to MVR orders for each state, including primary order requirements, state registry fees, and DMV (Department of Motor Vehicles) availability. Provides primary, secondary, and tertiary edits by state for ordering MVR. Provides codes and translations for possible errors encountered in processing interactive MVR transactions. Provides information on the LexisNexis Activity File for each state. Provides detailed information about the MVR SVC. Your company must have signed an agreement to receive SVC. Provides class codes that LexisNexis receives from the State DMV, and the translation of these codes that LexisNexis returns to the customers. Provides status codes that LexisNexis receives from the State DMV, and the translation of these codes that LexisNexis returns to the customers. Provides status codes that LexisNexis receives from the State DMV, and the translation of these codes using the LexisNexis standardized format. LexisNexis then returns the standardized status to the customers. INS0019-EN_US 26 November 2018 MVR How to Read Page 4

5 R e p ort Header Section The Report Header section includes information that identifies your specific report. Report Header Section Report Header Field s Report Header Field Order Date Complete Date Case ID Quoteback Account Node/Location User ID Special Billing ID Reference Number Date and time that the order was placed Date and time that the order was completed Unique identifier of the report submitted by the requester Case ID is on the report twice. Unique identifier of the report submitted by the requester. Requester's LexisNexis account number Unique, LexisNexis-assigned identifier for your business location Requester's LexisNexis user identification Alphanumeric field that may be submitted by you or programmatically set up by LexisNexis This is an option that must be set up with your customer manager. Not currently used for MVR INS0019-EN_US 26 November 2018 MVR How to Read Page 5

6 Report Header Field s (Continued) Report Header Field Processing Status Current status of the report Possible values: Activity File Clear Clear Hit - Activity Found No Hit Pending MVR Soundex Reject Inquiry Options Invalid Order Unreturned MVR See "MVR Processing Statuses" on page 7 for detailed descriptions. This section shows the options you selected when ordering the report. These options are all used to override options you selected when setting up your account. MVR Type If the order state is a state other than those listed below, this field should be blank. The contents of this field will vary in the following states for the type of record being requested. Oregon Court Blank (indicates Driver) Driver Washington Commercial Life Non-commercial Blank (indicates noncommercial) WA returns only one type of MVR. You may still submit with these values C, L, N, or blank; all return a 3-year insurance MVR. New Hampshire Life Insurance Soundexing Specifies whether the order should attempt to generate valid DLN (driver license number) using rules for specific states. Possible values: Yes, No, or blank Amplified Specifies whether the order should return an expanded seven years of results instead of the standard three years. This option is only available for Florida and Georgia. Possible values: Yes, No, or blank Forced DMV Specifies whether the order will override any account options with regard to database searches and forward the order to the DMV. Possible values: Yes, No, or blank INS0019-EN_US 26 November 2018 MVR How to Read Page 6

7 MVR Processing Statuses You receive a processing status for your order regardless of what events occurred during the processing of that report. The following table describes the possible processing statuses. Processing Status s Processing Status Clear Hit - Activity Found Invalid Order No Hit Pending MVR Activity File Clear Soundex Reject Unreturned MVR There is no activity in the driving history section. The driver has not been issued any tickets for driving infractions. There is activity in the driving history section. The driver has received tickets for driving infractions. The order failed in editing. The information submitted in the order was in the wrong format or required information was missing. It was not sent to the DMV. The DMV returned a not found indication in response to the order. The information on the order did not match any record in the state's database. Either the driver is not licensed in the state, or incorrect information was submitted on the order. The DMV responded by indicating another response would be forthcoming. The order was processed within the LexisNexis infrastructure and activity was not found during the requested search period for Activity Files, or meet the recommended threshold for a 2.0 request. This order will not go to the state for an MVR. For soundexing states, the order was rejected because the required soundexing elements were not available. The DMV did not respond to the order. P r o c essing Characteristics The Processing Characteristics section contains information about how the order was processed. Processing Characteristics Section INS0019-EN_US 26 November 2018 MVR How to Read Page 7

8 The following table describes the fields in the Processing Characteristics section: Processing Characteristics Field s Processing Characteristics Field Processing Date Order Date Processing Status Processing Information Origin Source Date that the order was processed Under some circumstances, the processing date may be earlier than the order date. In the previous example, the results source is Duplicate Order Check File, which means that the order was processed as the result of a previous order by a customer in the same line of business. Date and time that the order was placed Processing status of the report Possible values: Clear Hit - Activity Found No Hit Invalid Order Pending MVR Activity File Clear Soundex Reject Unreturned MVR See "MVR Processing Statuses" on page 7 for detailed descriptions. The processing information includes information about the origin and source of the information in the report. The original source of the information in the report Possible values: DMV Internal Database File DHDB2.0 Renewal DHDB 2.0 The source for the current version of the report Possible values are: DMV Driver History Database Duplicate Order Check File Internal Database File DHDB 2.0 Renewal DHDB 2.0 INS0019-EN_US 26 November 2018 MVR How to Read Page 8

9 D r i v er License Information Section The Driver License Information section contains information about the subject's driver license from the state DMV. Driver License Information Section The following table describes the fields shown in the Driver License Information section. Driver License Field s Driver License Field State Class Issued Date Expiration Date Status Restrictions Issuing state of the subject's driver license Class of the subject's driver license See the LexisNexis Motor Vehicle Record License Class documentation for more information. Date that the subject's driver license was issued Date that the subject's driver license expires Status of the subject's driver license See the LexisNexis Motor Vehicle Record License Status and LexisNexis Motor Vehicle Record Standardized License documentation for more information. Restrictions on the subject's driver license D r i v i ng Record Section The Driving Record section provides several types of violations and the information that may be returned with each type. On the report, the violations are numbered and presented in ascending date order. This section does not appear if there are no results found for the subject. INS0019-EN_US 26 November 2018 MVR How to Read Page 9

10 Driving Record Section INS0019-EN_US 26 November 2018 MVR How to Read Page 10

11 The following table describes the fields that could return in the Driving Record section of the report. You will only receive SVC information if your account is set up to receive SVC information. Contact your customer manager for more information. Driving Record Field s Type Field Conviction Date Violation Date Suspension Date Reinstatement Date The type of incident. Possible values and definitions are: ACCI (Accident) CANC (License cancelled) CONV (Conviction) DEPT (Departmental Action) DISQ (Disqualification) F/R (Financial Responsibility) MISC (Miscellaneous) Date that the conviction occurred Date that the incident occurred Date that the driver license was suspended Date that the driver license was reinstated PROB (Probation) REIN (License reinstated) REVO (Revocation) SUSP (License suspended) UNCL (Unclassified) VIOL (Violation) WARN (Warning) The preceding four date fields return based on the type of incident. For example, a type of SUSP has a suspension date and a reinstatement date, while a type of ACCI has a violation date and conviction date. State Violation Code Violation code assigned by the state Not all states return violation codes. California and Colorado may return multiple violation codes for the same event. Points Customer Specific Code Violation Severity Code Driving Record Standard Violation Code Number of points associated with the incident based on state-provided information. Points can be expressed as whole numbers, decimals, or text. California and Colorado may return a total number of points for all violations associated with the same event. Unique code that you use to identify the violation The CSC (customer specific code) values are assigned by you to SVC. Severity of the incident reported, according to the SVC Incident description reported on the subject's driving record, as specified by the DMV SVC assigned to the incident See the LexisNexis MVR Standard Violation Code (SVC) Information. INS0019-EN_US 26 November 2018 MVR How to Read Page 11

12 Driving Record Field s (Continued) Field Classification Point Assignment Additional Underwriting Commercial Hazardous Speeding Category of the incident Possible values: Equipment Violations Financial Responsibilities and Accidents Miscellaneous Violations Motorcycle Violations Moving Violations Parking Violations Registration, Titling and Licensing Serious Offenses (includes serious moving violations) Uncategorized Citation or Assigned from MVR Status or Conditions Number of standardized points associated with the incident based on the department Additional information pertaining to the incident Possible values: Above Abstract Dismissed Chargeable if 3+ Same Violations with 12 months Chargeable Only with Other Permissible Violation Contact the NV DOI to determine how this item may be charged for personal lines auto Course Complete First Offense Not Chargeable First Violation Not Chargeable - ok with 2+hsehld Four Point Violation Nonchargeable violation NV DOI has indicated this is not chargeable for personal lines auto Out of State, First Offense Non-Chargeable Out of State Violation Indicator if there was any commercial or hazardous material involvement with the incident according to the SVC Possible values: Commercial Violation Hazardous Materials Violation Unknown Speed of the vehicle during the incident according to the SVC Standard violation description about the incident INS0019-EN_US 26 November 2018 MVR How to Read Page 12

13 M i s c ellaneous and State Specific S e c t ion The Miscellaneous and State Specific section includes state information and other information from LexisNexis. Multiple messages may return in this section of the report. Miscellaneous and State Specific Section State Information If the state includes additional information, the information will appear in this section. Information in this section may include: Endorsements License information Point information Restrictions State disclaimers Examples of disclaimers from states include: No violations or departmental actions during this reporting period No medical or departmental actions during this reporting period No accidents during this reporting period Accidents noted on this document shall not be considered determinative of fault or negligence on the part of the individual LexisNexis Messages LexisNexis may send messages regarding the details of the driving record details. Messages may indicate where the information was found and/or when the information was last updated. INS0019-EN_US 26 November 2018 MVR How to Read Page 13

14 Examples of messages from LexisNexis are: The driver record information contained in this report was obtained from the above state on date Obtained from retention file Information obtained from CPS Database last updated thru date ****Restricted information The restricted message appears if the subject has restricted personal identification information from being released. Error Messages If an error occurs during processing, an error message appears in this section of the report. In the case of an error, you will not receive results other than the error message. If the error message begins with APP ERROR or COMM ERROR, a communication error occurred before your order was processed. In this case, you should try submitting your order at another time. If the error message is any other type, please contact MVR support by phone at or InsuranceSolutionsSupport@lexisnexisrisk.com. INS0019-EN_US 26 November 2018 MVR How to Read Page 14

15 P e r s onal Information Section The Personal Information section provides the inquiry data submitted for the order and reported data which may come from the inquiry data, the DMV, or from internal LexisNexis databases. Personal Information Section INS0019-EN_US 26 November 2018 MVR How to Read Page 15