How do I get a California DMV Commercial Requester Account (requester code)?
Answer
Insurance agencies can qualify as end users for motor vehicle records. Submit the DMV Commercial Requester Account application and required security documents, ensure compliant use, and start early due to processing times.
Getting a California DMV Commercial Requester Account (commonly referred to as a “requester code”) is a critical step if you want to run Motor Vehicle Reports (MVRs) directly for underwriting purposes. It’s a bit of a process, and I’m not going to sugarcoat it—it can be frustrating and time-consuming. But it’s absolutely doable if you follow the steps carefully. Here’s how to get it done:
1. Understand What a Requester Code Is
A requester code authorizes you to access DMV records, like MVRs, for legitimate business purposes. As an insurance agency, this is essential for verifying driving records during the underwriting process. Without it, you’ll be relying on carriers or third-party vendors to pull MVRs, which can slow you down and limit your control. Go to the DMV Commercial Requestor Account website.
2. Download and Complete the Application
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Where to Find It:
The application form is called the INF 1106 (Commercial Requester Account Application). You can download it directly from the California DMV website: INF 1106 Application. -
What You’ll Need to Provide:
- Your agency’s business information (name, address, etc.).
- The specific purpose for requesting DMV records (e.g., insurance underwriting).
- Details about how you’ll secure and use the information.
- A list of employees who will have access to the data.
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Pro Tip:
Be thorough and precise. The DMV is very particular about how this form is filled out. Any errors or missing information will delay the process.
3. Prepare a Written Security Program
The DMV requires you to have a written security program that outlines how you’ll protect the data you access. This includes:
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Data Storage:
Where and how the information will be stored (e.g., in your AMS or a secure cloud storage system). -
Access Control:
Who will have access to the data and how you’ll ensure unauthorized individuals can’t access it. -
Disposal Procedures:
How you’ll securely dispose of records when they’re no longer needed. -
Pro Tip:
If you don’t already have a security program in place, start drafting one now. It’s not just a DMV requirement—it’s a best practice for protecting sensitive client information .
4. Submit the Application
Once you’ve completed the application and prepared your security program, submit everything to the DMV. The address for submission is included on the INF 1106 form.
- Pro Tip:
Make a copy of everything you submit for your records. You’ll want to have a backup in case anything gets lost or delayed.
5. Wait for Approval
Here’s the part where you’ll need some patience. The DMV can take anywhere from two to six months to process your application, depending on their workload. Yes, it’s a long time, but unfortunately, there’s no way to expedite the process.
- Pro Tip:
While you’re waiting, get set up with a third-party vendor like ADR (American Driving Records) or SambaSafety. They can provide MVRs in the meantime, so you’re not stuck waiting to write business .
6. Register with ChoicePoint (Now LexisNexis)
Once you have your requester code, you’ll also need to register with a vendor like LexisNexis (formerly ChoicePoint) to access CLUE reports and other underwriting tools. This is a separate process but equally important for running a fully functional agency.
7. Maintain Compliance
After you receive your requester code, you’ll need to stay compliant with DMV regulations. This includes:
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Keeping a log of all MVR requests, including the date, purpose, and individual accessing the data.
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Changing passwords every 60 days for systems that access DMV data.
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Retaining records for at least two years.
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Pro Tip:
Set up a recurring reminder to review your compliance procedures annually. The DMV can audit you at any time, and you don’t want to get caught off guard .
Final Thoughts
Getting a California DMV Commercial Requester Account is a bit of a slog, but it’s worth it for the control and efficiency it gives your agency. Just be prepared for the wait and make sure your application is airtight to avoid unnecessary delays.
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- We provide form pointers and timing tips drawn from member experience.