State Farm Auto Insurance Practice Test

What does an accident reported on the MVR indicate?

1. The driver received a ticket

2. A police report was filed

3. The driver was at fault

4. The insurance company will increase rates

The correct answer is: A police report was filed

An accident reported on the Motor Vehicle Record (MVR) indicates that a police report was filed. The MVR is a comprehensive record that law enforcement agencies create when they document vehicle accidents. This report includes details about the incident, which may consist of information regarding the parties involved, the cause of the accident, and any citations issued. While the MVR can reflect various aspects of a driver's history, such as tickets or incidents of fault, it primarily records incidents where law enforcement was involved enough to document the event in a report. This makes it an essential tool for insurance companies in assessing risk and determining premium rates, but it is the presence of the police report itself that signifies an official record of the accident. Information about fault or traffic violations is secondary and can vary based on the specific circumstances surrounding each reported incident.