does this count as an inquiry towards your car insurance? You know, similar to when creditors run a credit check and that inquiry goes on your credit report? Also, what is it that cops/state troopers check when they run your registration through their computers?
2006-08-11 14:50:53 · 13 answers · asked by axelf57 1 in Politics & Government ➔ Law Enforcement & Police
A check of your driver's history has absolutely nothing to do with your credit history. The only people that can check how many times that your history has been checked is the DMV and that is only for internal purposes only.
If your credit history is inquired by law enforcement due to an investigation it will not effect your credit or show as a negative inquiry. The only credit inquiries that will effect your credit is when you apply for new and/or more credit. If you have ever seen your credit history, an existing creditor will check your credit several times a year this is the same kind of inquiry an investigator will do and does not reflect negatively on you.
2006-08-11 16:21:02 · answer #1 · answered by Matt 4 · 0⤊ 0⤋
I worked in police dispatch in the early 80s, so no doubt much has changed. Our privacy is nonexistant, and I would not be surprised that the car insurance would know about it. I applied for home insurance and was asked about a claim I didn't make, but inquired about, with another company on a wet computer!
When a cop pulls someone over, they run the license plate number of the car (and sometimes the VIN number) through a computer (NCIC) to see if it is stolen or wanted in connection to any crimes. They check to make sure your registration matches the car and that you own it. They check your name to see if you have any warrants out for your arrest.
A traffic stop is the most dangerous thing a police officer does, so they want to be very very careful.
2006-08-11 14:55:15 · answer #2 · answered by cassandra 6 · 1⤊ 0⤋
Actually this is an inquiry to be sure that the car is insured---also, the police is checking to be sure that the person has no outstanding warrants or tickets....
When the registration of a vehicle is checked---it is checked to be sure the car has not been reported stolen.
2006-08-12 22:20:38 · answer #3 · answered by destine4_69 4 · 0⤊ 0⤋
I don't believe this counts when they check towards anything with your insurance. It only counts if you get a ticket out of the "transaction". When they run your DL, they are looking to see if it is a valid DL, if you are who you say you are, if you have any outstanding warrants for your arrest, and what is your driving record. When they run your registration, they are checking to see if you truly own the vehicle you are driving, or if it has been reported stolen or not. They are also checking to see if the car is a legally registered vehicle, and what state it is registered in.
2006-08-11 15:58:02 · answer #4 · answered by volleyballchick (cowards block) 7 · 0⤊ 0⤋
No, I don't think it counts as an inquiry. The cops are usually checking to make sure the car is not stolen or connected with a crime.
Hope this helps!
2006-08-11 14:52:45 · answer #5 · answered by rita_alabama 6 · 0⤊ 0⤋
Insurance companies will not know you were stopped unless you are cited.
Registrations are checked to confirm the owner of the vehicle, the license plate matches the state registration, and to check on any warrants, or registration revocation.
None of the above will appear on your credit report.
2006-08-11 17:35:56 · answer #6 · answered by Nick R 3 · 0⤊ 0⤋
Ok, no insurance companies do not know who and how many times your driver record has been viewed and by who.
There are three sets of records they will check out. One is your DMV or drivers record, it will show if you have a valid licence, what type of licence and any restrictions, when it was last renewed and when it will laspe.
next they will run your car licence plate, it will show what type and color car it belongs to, when it expires and in some states who your insurnace is and if insurance is in effect.
And they can run an NCIC report to see if there are any warrants out on you, if you have ever been arrested before and why, and also if you were ever convicted before and if you are on parole or probation.
Normally on traffic stops all checks are ran.
2006-08-11 14:56:30 · answer #7 · answered by Anonymous · 2⤊ 0⤋
you're an fool . the objective of calling the police is to have human beings arrested , to no longer act as your own enforcers. sure , the state can and could value him , he would be convicted based on your fact to the police . he will lose his interest and characteristic a annoying time looking yet another one now that he has a criminal checklist. you won't be able to do something to provide up it now . you extremely could have concept approximately this shyt formerly you called the law enforcement officials . i'm hoping you like the assumption of being divorced because of the fact i will not be able to think of him staying married to you after this.
2016-11-04 10:02:17 · answer #8 · answered by overbay 4 · 0⤊ 0⤋
They check for outstanding warrants, to see if your car is registered to you , and look at your prior crimes. It does not count as an inquiry.
2006-08-11 14:54:12 · answer #9 · answered by Anonymous · 0⤊ 0⤋
cop is looking from criminal record for felonies, tickets, warrants...etc
insurance companies use your credit report s AND past (up to 2 years) /present driving record to determine insurance cost
2006-08-11 14:58:26 · answer #10 · answered by Mopar Muscle Gal 7 · 0⤊ 0⤋