Checkr's MVR Rules

Checkr enables customers to define rules by which a candidate’s driving records are evaluated. Results of MVR rule evaluation determine whether a report is set to status Clear or Consider.

MVR rules enable customers to assess various aspects of a candidate’s driving record, such as violations, suspensions, accidents, restrictions, experience, and age. Violation-based rules offer another level of granularity, which allows different treatments to be applied to different categories of violations as specified by customers.

Checkr allows violation categorization to be customized with classification codes based on the AAMVA Code Dictionary (ACD) codes, and customer MVR rules governing a particular category will be applied only to violations within said category. For example, a customer MVR rule that requires drivers to have no more than 5 moving violations will be applied to violations that have been categorized by the customer as “moving violation”. Uncategorized violations or violations in different categories will not be counted toward this particular rule.

Restriction-based rules also allow customers to guard against specific restrictions (such as ignition interlock restriction) placed on the candidate. If matching restrictions are present on the candidate’s current license, the customer’s restriction-based rule will be triggered, resulting in a Consider status.

Checkr's default MVR Rules

MVR Rules help you assess the results of a given MVR against the specific rules you have created.

By default, Checkr applies the following categories and rules when an MVR report is initiated. These rules are based on standard insurance requirements. 

• Driver must be over 18
• Driver must currently be privileged to drive a passenger vehicle or motorcycle
• No more than 1 moving violation in the past 3 years AND No more than 1 accident in the past 3 years
• No more than 2 moving violations in the past 3 years (such as failure to stop at a stop sign, following too closely, improper passing)
• No more than 2 accidents in the past 3 years
• No major violation in the past 5 years (such as DUIs, or speeding 40+ mph over the limit)
• No cell phone or distracted driving violation in the past 3 years

Please contact us if you would like to modify these default rules based on your needs. For example, if the default rule is No major violation in the last 5 years, but your insurance requires No more than 2 major violations in the last 3 years, please contact Checkr Customer Support to change this rule.