Insurance companies get information on a policyholders, or potential policyholders, from the Department of Vehicles where the state was licensed. If the person was licensed in a different state previous the insurance carrier may also check with that state's DMV.

Instead of contacting the DMV directly, most insurance companies use the services of private companies that contract with state record keepers (typically the DMV) to be a distributor that public information. There are several centralized data warehouses that allow authorized companies or individuals to get information on you, such as your motor vehicle record (MVR). Choicepoint is one such private company that collects public record information including government documents like your MVR.

These data warehouse companies do not create the information in its possession so thus cannot correct the information that is being reported. These companies, that provide MVRs and other reports to the insurance companies, only collect the information they warehouse. If there is an error in the public record information, it is most likely due to the source of the data providing inaccurate information, thus your state's DMV or like state agency.

Regardless of how the insurance company gets the information, if it is incorrect it usually due to a problem or inaccuracy with your record coming from your state's DMV. So to correct this inaccurate information on an MVR/driver's history you will need to contact your state's Department of Motor Vehicles and find out how to clear up your record.

Most state DMVs have a customer service phone line that you can call and report the inaccuracy. Your driving record should then be reviewed and corrected if the DMV finds your complaint valid. If the DMV notifies you of your record being corrected then you may tell the insurance company so that they may run your MVR again and get the adjusted information.