State Farm Auto Insurance Practice Test

What information does the Previous Insurer Report (PIR) NOT include?

1. Previous insurer's name

2. Covered vehicles

3. Driving violations

4. Policy effective dates

The correct answer is: Driving violations

The Previous Insurer Report (PIR) is designed to provide valuable insights into a potential policyholder's insurance history, showcasing critical information that helps insurers assess risk and make informed underwriting decisions. This report typically includes the previous insurer's name, details on covered vehicles, and the policy effective dates associated with the prior insurance coverage. Driving violations, however, are generally not part of the PIR. Instead, driving violations are recorded on an individual's driving record and are accessed through motor vehicle department records or similar sources. The PIR focuses on the insurance coverage aspect rather than driving behavior, which is documented separately. Understanding this distinction is crucial for interpreting the type of information that insurers consider when evaluating new applicants.