Where do car insurance companies find accident / driving violations?
I have a clean driving record since 1991. I insured my younger brother's car a few years ago. He was in a couple accidents with alcohol playing the factor. The car le was under my name along with insurance. I want to compare insurance quotes but I honestly do not remember the dates of his accidents 3 - 4 years ago?. If I find a cheaper rate, I want to make sure I am not dumped by the new insurance company for false information. How do I access the same information the insurance companies find for actual quotes? Since it was his name ociated with the accidents and not mine, is there a unique database for this?- The DMV, CLUE, and somtimes ISO. After so many years, the incident falls off your record. I think it's 3 years
- insurance companies use two different means to collect the info they need the first is by your driver license number - info gathered from the state the second is from a reporting agency that registers all claims you will probably find that there isn't anything showing up from your DL # but will show a claim filed under a policy owned by you you should be prepared to show that you were not the driver in those instances
- Accidents show up on a claims loss report, commonly referred to as a CLUE report. I would suggest obtaining a LOE, letter of experience, from the insurance company who was covering you at the time of the accident. This should advise that you were not the operator of the vehicle. CLUE reports will not indicate alcohol was involved. CLUE reports are often inaccurate. An MVR report will show an accident in certain states, if a police report was filed. This report comes directly from your license at the DMV. This should not be a worry unless your brother used your DL. If activity was found on your record a notice should be mailed to you and list an address of the reporting company where you can obtain your consumer reports
- It's called a driving abstract you can just go to the DMV and request one they are pretty cheap, maybe $6 to $10 for one or you might be able to get it on your states website. Or I bet if you ask the insurance company that you are interested in to look that info up for you, I'm sure your not the first person that can't remember accidents, dates, tickets etc
- i own a repair shop, and i know there is one, but i can not find it, this used to be open to the public, but the last time i tried it it said URL doesn't exist anymore, but someone might know a way to do this, i know they have access to a large data base, that has all of our driving records on it, good luck with your hunt though, hope this help, s
- If your name was on the le and insurance. then your name will be ociated with the accidents anyway. Every state sells its accident information to a company in Atlanta called ChoicePoint. Many states allow ChoicePoint to access this information on a daily basis. ChoicePoint then compiles it and will sell it to insurers. who use it for underwriting. If you apply for insurance and suffer an 'adverse underwriting decision' based on information obtained in your MVR motor vehicle report, you will have the right to get a copy of the information from ChoicePoint. If you are applying for insurance and comparing quotes. the company you apply to will pull a report on you and will be able to find the correct accident data for you, regardless of whether you got the dates correct on the prior accidents or not. You will not be dumped for providing 'false information'. If you don't remember the dates. then just estimate them. just make sure you disclose as many as you can remember. To answer your last question. ChoicePoint gets all the data elements on accidents from the standardized SARS form. so that cross referenced information will be a part of your report
- From State driving records. They cost about ten dollars to view depending on where you live
Knowledge Base
Looking for relatively cheap auto insurance?
i am currently with shelter insurance and only pay about $75 a month. i recently moved to a state that doesn't have any operating shelter insurance agents, however, so i have to switch companies. i tried allstate and state farm and they are both about $20 more a month than (cheap auto insurance)
What Auto Insurance Companies has the best service?
i am researching auto insurance for my area so i can get a basic idea of who to look at for auto insurance quotes. i need a list of insurance companies that provide service to oklahoma. it'd be more appreciated if it was a list of auto insurance provided to (auto insurance quotes)
When getting a car insurance quote, do I disclose a speeding ticket, if I already took traffic school for it?
i had a speeding ticket, but the judge lowered my citation to 99mph so i could take traffic school. i am getting an insurance quote from progressive.com and they want me to provide information on tickets i have received in the last 3 years. do i tell them about my (auto insurance quotes)
Knowledge Base: Auto Insurance
Ask: Online Auto Insurance Quotes, are they really safe and accurate?
i know several people who have submitted their information into one of the many "online auto insurance quotes" and now they have solicitors all over them, on their phone, emails, junk mail and even one case of social security iden y theft. so my question is: are these online auto (auto insurance)
How does auto insurance work when you "loan" your car to another?
i have been thinking of "loaning" my car which i own to my 87 year old father. i would then lease a vehicle for myself. then at the end of the lease period let's say 3 years if he is no longer driving, the car returns to me. can he (cheap auto insurance)
Does anyone know what Companies that give some cheap Auto Insurance?
i pay 193 a month for basic liability with 21st century insurance. where can i get a cheap quote?. go online for multiple "insurance quotes.com". when i go looking for replacement car insurance is a fast and easy way to save on car expenses. you can get a simple estimate (auto insurance)
Compare Auto Insurance Quotes With Local Agents?
i know there are many different sites where i can compare auto insurance quotes. i am wondering if there are any sites that have local agents available on them? my local agent just retired and i am looking around for new coverage, i just do not want to call everyone (cheap auto insurance)
What is a cheap auto insurance company?
please be specific, which auto insurance company is the cheapest?. it's hard to say. progressive is pretty good, but from what i hear so is geico. i prefer progressive though, because they do not send you as much spam. that depends where you live in this big world of ours!. (auto insurance)
Knowledge Base: Cheap Auto Insurance
Where do car insurance companies find accident / driving violations?
i have a clean driving record since 1991. i insured my younger brother's car a few years ago. he was in a couple accidents with alcohol playing the factor. the car le was under my name along with insurance. i want to compare insurance quotes but i honestly do not (cheap auto insurance)
What is the best company for auto insurance?
done by jd power and ociates here: www1. jdpower.com / finance / ratings / auto_insurance. do you want the lowest rate, the best customer service, the one least likely to. the best insurance company, since this question is highly subjective, is one that would not only handle all of your (cheap auto insurance)
Will this affect my auto insurance rate?
i acci ly hit a poll, no one was injured. only damage to my front bumper. i went to a body shop and the estimate is ~$2000. my deductible is $500. should i go through my insurance or just pay it out of pocket? will a claim automatically make my (cheap auto insurance)
Compare car insurance with health insurance, car insurance is a law, health insurance is not why?
car insurance is a law right? and i know a lot of people that have a very difficult time paying car insurance since it's so high, but it seems like insurance companies are making a lot of money, now how can we compare that to health insurance if it became (cheap auto insurance)
Where can I find cheap auto insurance?
i will be looking soon for auto insurance for my first car. i have bad credit, no driving record i am just about to get my license within the next couple months, and am 26. where can i find an insurance company with an affordable premium? i live in virginia, (cheap auto insurance)
Knowledge Base Categories:
- Auto Insurance
- Auto Insurance Quotes [29]
- Cheap Auto Insurance [33]
- Auto Insurance [16]
