State Farm Auto Insurance Practice Test

Which of the following indicates a clean driving record on the MVR?

1. Hit

2. No Hit

3. Clear

4. Suspended

The correct answer is: Clear

A clean driving record on the Motor Vehicle Record (MVR) is indicated by the term "Clear." A "Clear" MVR indicates that the individual has no accidents, violations, or other negative marks on their driving history, which is essential when applying for auto insurance. This clean record typically results in better insurance rates and less scrutiny during the underwriting process since insurers often view individuals with clean records as lower-risk drivers. In contrast, terms such as "Hit" or "Suspended" clearly suggest negative elements like accidents or license suspensions, which do not reflect a clean driving history. "No Hit" could imply that there have not been recent incidents, but it doesn't necessarily confirm that the individual has no past violations, making "Clear" the most definitive and positive indicator of a clean driving record.