What often prompts insurers to review a driver's traffic citation history?

Insurers commonly review a driver's traffic citation history during periodic policy renewals and evaluations because changes in this history can indicate the level of risk associated with insuring that driver. A history of traffic violations or citations may suggest a higher likelihood of future claims, prompting insurers to adjust premiums or potentially reconsider coverage.

During the renewal process, insurers assess various factors, including changes in driving behavior, to determine the appropriate policy terms and rates. If a driver has accumulated multiple citations since their last review, it could signify an increased risk profile. Consequently, timely and accurate assessment of a driver’s citation history is crucial for insurers to manage their risk effectively and ensure that they are charging appropriate premiums based on the driver’s current behavior on the road.