I have heard that Massachusetts insurance companies are typically independent of California insurance companies. As a consequence, California insurance companies wont have access to my records in Mass. This would mean that my old claims/history won't affect my new insurance policy in California. Can someone tell me if this true.
Thanks
2006-10-19 13:04:23 · 7 answers · asked by Rajat V 1 in Cars & Transportation ➔ Insurance & Registration
Short answer: Yes it will.
Long Answer: CLUE stands for Comprehensive Loss Underwriting Exchange, which is run by ChoicePoint Inc. in Atlanta. It maintains a claims database that insurance companies use to decide who gets auto and homeowners insurance and how much they pay.
When it comes to auto reports, claims related to your vehicle or to your address show up on your CLUE report even if they have nothing to do with you. ChoicePoint says it encourages insurance companies to verify the information.
If you plan to insurance shop, consider ordering your CLUE report ahead of time so you won't be surprised as I was and will have a chance to correct errors. As I found out, you only need to order one report for your whole household. You can order over the Internet (www.choicepoint.com or www.consumerdisclosure.com) if you were denied insurance or by calling 1-866-527-2600. You might want to check your credit report too if you haven't recently, since many insurance companies also rely on it in setting rates.
These questions can also be answered by a qualified insurance agent. I would suggest going to a free service such as: http://www.insureme.com/landing.aspx?Refby=614498&Type=auto. It’s a web site that offers insurance information & information on policies nationwide. It also gives you the option to call local agents to get any of your questions answered. This service is 100% free and you are not obligated to buy anything. It is simply a way to get insurance information and be able to instantly compare rates in your area to find the best price/coverage.
2006-10-21 02:19:42 · answer #1 · answered by ? 2 · 0⤊ 0⤋
I used to do software support for the Arizona DMV - there is a national records transfer process for each state. The insurance companies may not swap data - but the new California company will probably request a history from the California DMV, who will probably poll the other states.
My thought - don't lie.
2006-10-19 13:47:30 · answer #2 · answered by dryheatdave 6 · 0⤊ 0⤋
True, that they are independent, however, they all report accidents to the Comprehensive Loss Underwriting Exchange (a third party organization), and receive information from the same. Plus, the MA DMV will share your driving records with the CA DMV. Bottom line - yes, everything you've done in MA will show up in CA, even though "insurance companies do not exchange information with each other."
2006-10-19 13:37:31 · answer #3 · answered by Anonymous 7 · 0⤊ 0⤋
Who ever gave you that bit of information doesn't have a clue of what he/she is talking about! The insurance industry has TWO data bases that every insurance company in the US reports every bit of information about a driver they can get their greedy little hands on! California will know it as soon as you go to DMV to get your license or registration for that state! This data base includes tickets, accidents, if you ever sued anyone, criminal, credit, and everything else you can imagine and then some!
My wife worked for many years for several insurance companies.
I lived in NYS and Washington state and they had everything on both ends!
2006-10-19 15:21:33 · answer #4 · answered by Anonymous · 0⤊ 0⤋
Nope! My Mass history followed me. Good thing too, as I had a clean record.
Insurance companies all subscribe to a database that exchanges driver information. It's highly unusual to find one that doesn't -- and it would most likely be a country mutual company if it didn't, with extemely high rates.
2006-10-19 13:28:07 · answer #5 · answered by Bostonian In MO 7 · 0⤊ 0⤋
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2016-12-08 17:40:24 · answer #6 · answered by ? 4 · 0⤊ 0⤋
No, it's not true. Your claims history is out there for all to see, regardless of where you were when it happened.
2006-10-19 14:15:24 · answer #7 · answered by Chris 5 · 0⤊ 0⤋