accidents are assigned to you two ways. Both on your MVR (motor vehicle report) and through a CLUE report. Clue will list insurance pay outs by your SS#, address, and DL license #. Insurance companies run these as well.

Infractions will only stay on your license for 3 years but insurance companies will look back 5 to see how you were the previous 2 years. DUIs stay on for life and Reckless driving records stay for 11 years. Your points may fall off but the infraction remains for anyone who pulls up your MVR.