State Farm Auto Insurance Practice Test

When conducting an underwriting review, it is essential to check the motor vehicle report and assignments of the drivers. This report provides critical information about a driver's history, including any accidents, traffic violations, and overall driving behavior. Assessing this data helps underwriters determine the risk associated with insuring a particular driver, as a history of safe driving typically supports lower insurance premiums, while records of accidents or violations may indicate a higher risk.

Investigating previous insurance companies, the type of vehicle, and annual mileage are also relevant factors but do not provide as direct an insight into the driver's risk profile as the motor vehicle report does. Evaluating the driving record is foundational for assessing risk and making informed decisions regarding coverage and rates.