Driver clearance checks a license, a driving record and insurance against your organization's own minimums

Each check answers a different question about a volunteer driver. The license check confirms the person may legally drive. The MVR review shows the person's driving history from state records, and it comes from a consumer reporting agency with the driver's consent. The insurance check confirms an active policy that meets the limits the organization has set.

Each item carries its own expiry date, because licenses, record reviews and policies lapse on different schedules. A driver is cleared only while all three are current.

Florida's legal minimum leaves passengers without bodily injury coverage. FLHSMV requires $10,000 of PIP and $10,000 of PDL on a standard personal car. Bodily injury liability is required only for taxis and similar vehicles. A volunteer can therefore be fully legal and still carry no coverage for injuring a passenger.

Each organization should agree minimum limits with its insurer before it recruits drivers. Hineni compares each driver's policy with those numbers, so the organization's own standard is the one that counts.

The MVR is the only driver check with a published price in Hineni's research. Checkr lists an MVR add-on at $9.50, plus the state's record fee. Insurance verification services such as Axle and Canopy Connect check a policy through the driver's own carrier login, and their prices require a quote.

Because an MVR comes from a consumer reporting agency, the Fair Credit Reporting Act's disclosure, authorization and notice steps likely apply. Counsel should confirm how they apply to unpaid volunteers. Access to driving records also falls under the federal Driver's Privacy Protection Act, and vendors handle the permitted-purpose consent.

Hineni runs driver clearance through vendor connections, so each check comes from the service that verifies it.

• Collect license details and the driver's consent to an MVR.
• Connect the driver's insurance and compare coverage with the organization's minimums.
• Watch for a cancelled policy and pause ride assignments when any item expires.
• Offer only cleared drivers in ride matching.
• Keep the clearance status and dates, while the records themselves stay with the vendor and the organization.