An underwriter requests a motor vehicle report (MVR) on an applicant. What does this report primarily reveal?

Why A is correct

A motor vehicle report (MVR), obtained from the Department of Motor Vehicles, reveals the applicant's driving record, including traffic violations, accidents, and license status. A poor driving record indicates higher risk and may support a rating, exclusion, or higher premium. The MVR is one of the routine consumer reports used in underwriting, along with the medical information bureau report, the attending physician's statement, the credit report, and hazardous-activity questionnaires. It is especially relevant for applicants whose occupations or coverage amounts involve significant driving.

Why the other options are wrong

• Medical history and prescriptions come from the application, the attending physician's statement, and the MIB report, not from the DMV. This option therefore does not match the facts presented in the question and is not the correct answer to select.
• Credit information comes from a credit report prepared by a consumer reporting agency, not from the Department of Motor Vehicles. This answer describes a different situation from the one in the question and is therefore incorrect under the facts given here.
• Occupation and income are gathered from the application and the agent's report, not from motor vehicle records. This choice does not fit the arrangement described in the question, so it is clearly not the right option to choose.

Memory hook

The MVR is the DMV's report on how you drive.