When dealing with insurance, people always tell me after so many years, certain offenses "come off" your record and your insurance prices go down. I'm curious how this works.
I don't have any serious infractions and my insurance is not unreasonably high, this is motivated by pure curiosity.
The two infractions that I do have from when I was a teenager, I am able to find the court records by going to the specific county court. But my current insurance provider doesn't know what county I lived in when I was younger, so unless they searched every court in the nation, they wouldn't be able to find anything, and if they did, I'm not sure they could even prove it's me. Additionally, I can't expect court records to ever expire. The judge clocked time that day, a trail happened, my gut says the record of that really shouldn't ever disappear.
So what does it mean when someone says an infraction is "on your public record"? How is that accessed?