Auto Insurance Claims: driver record & insurance, clue report, several thousand dollars

Question
My insurance company has my old driver license info from the state I lived in, and I have never been asked to update the driver license info from the current state I live.    I claimed a couple of times, but I didn’t have any issues.   It has been almost 5 years since I moved to the current state.  Yet, my insurance company has my old driver license info.   
In this case, I am wondering if my insurance company will not have my up-to-date driving record at all as to their system will be looking for my driving record based on my old drive license.    When I claimed, my insurance company should have gotten my current license info, but, anyway, they have my old driver license info on their system.
Suppose I got a traffic ticket, should my insurance company know it or not as to they don’t have my current driver license info?

Thanks you  

Answer
Hi Dan-

The insurance companies get information from two places.  One is the DMV or MVR report as it is called to us agents.  The other is called the CLUE report.  That one is something that all insurance companies are required to report accidents to.  

When we pull the MVR it asks for you date of birth, Social, listened number, address etc.  So from what I have seen it usually includes old and new information.  I would not be surprised if it sometimes missed things due to the license info not being updated however.

They don't always catch tickets and accidents right away either.  Since it cost money to pull these reports insurance companies do not check them every renewal.  They do it on a random basis.   

Here is the only chance you take by not calling them and getting your license up to date.  Right now you may get away with not being charged with a ticket, but if you have a claim, especially a big one, they are going to start looking at things in great detail.  If they are looking at paying out several thousand dollars and they find that you intentionally held back information from them, the contract says they can deny a claim or charge you the back premium with the chargeable tickets included before they pay it out.  You'll be stuck with the bill.

Honesty is the best policy...

Sheldon Maughan
Sacramento, CA