State Farm Auto Insurance Practice Test 2025 – The All-In-One Guide to Mastering Your Exam!

Question: 1 / 400

Which option is a responsibility when reviewing MVR results with the prospect?

Submitting the MVR for external validation

Changing the quote based on MVR findings

When reviewing Motor Vehicle Record (MVR) results with a prospect, one of the primary responsibilities is to adjust the quote based on the findings in the MVR. The MVR provides insights into the applicant's driving history, including any violations, accidents, or points against their driving record. This information is crucial in determining the appropriate risk level associated with insuring that individual.

Adjusting the quote based on MVR findings ensures that the pricing reflects the risk accurately. For instance, if the MVR reveals multiple traffic violations, it may warrant a higher premium due to the increased likelihood of future claims. Conversely, if the driving record shows a clean history, it may allow for a lower premium than initially quoted. This responsively tailored approach helps both the insurer in managing risk and the customer in understanding how their driving history impacts their insurance costs.

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Cancelling the policy if violations are found

Providing legal advice on driving records

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