MVR Contributory Database

Smarter MVR Access, Shared Savings

Revolutionizing how insurers retrieve and contribute driving record data.

Driven’s MVR Contributory Database empowers insurance carriers to collaboratively access and share motor vehicle record (MVR) data in real time — while staying fully compliant with the Driver’s Privacy Protection Act (DPPA). The result? Lower costs, faster decisions, and more informed underwriting — all with built-in transparency for consumers.

Key Benefits

• Instant MVR Retrieval: Real-time record access through a secure API.
  
• Reduce Redundant Costs: Avoid paying for records already retrieved by others.
  
• DPPA-Compliant & Secure: Sensitive fields redacted; immutable audit logs maintained.
  
• Consumer Transparency: Drivers are notified and can view their own records via secure portal.
  
• Custom Tiered Pricing: Participation levels offer deeper discounts (up to 50%) and optional revenue sharing (up to 10%)
  
• Insightful Analytics: See market trends and risk indicators based on nationwide contributions.
  

How It Works

1. Carrier requests an MVR.
   
2. If a recent record exists, it’s returned instantly.
   
3. If not, the carrier retrieves it and posts it back to the database.
   
4. All access is logged for 5 years to meet DPPA audit standards.
   
5. Drivers are notified with access to their own report through my DrivingScore™ app
   

Why Join

• Slash your MVR budget.
  
• Improve underwriting speed and consistency.
  
• Stay ahead with insights drawn from a constantly growing, carrier-powered network.