What is a "driving record" in the context of personal auto insurance?

A driving record refers to a summary of a driver's traffic violations and accidents. This record compiles information related to a driver's history on the road, including any tickets received, collisions, and other infractions that might affect their insurance rates and eligibility. Insurers use the driving record to assess the risk posed by a driver, which in turn influences the premiums they set for auto insurance coverage.

The other options, while relevant to vehicle operation and safety, do not pertain directly to a driving record. Vehicle maintenance reports focus on the servicing history of a car rather than the driver's behavior. A record of a car's mileage is not indicative of how the driver operates the vehicle and is unrelated to their safety or risk profile. An overview of vehicle safety ratings assesses the vehicle itself rather than the driver's past performance and adherence to traffic laws. Consequently, the correct choice emphasizes the intrinsic link between a driver's history and their insurance implications.