Where do car insurance companies find accident/driving violations?

Question

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 title 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 associated with the accidents and not mine, is there a unique database for this?

Answer 1

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..

Answer 2

2

Answer 3

If your name was on the title and insurance...then your name will be associated 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.

Answer 4

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.

Answer 5

Get a No Cost Background Check Scan at https://bitly.im/aNCaZ

Its a sensible way to start. The site allows you to do a no cost scan simply to find out if any sort of data is in existence. A smaller analysis is done without cost. To get a detailed report its a modest payment.

You may not realize how many good reasons there are to try and find out more about the people around you. After all, whether you're talking about new friends, employees, doctors, caretakers for elderly family members, or even significant others, you, as a citizen, have a right to know whether the people you surround yourself with are who they say they are. This goes double in any situation that involves your children, which not only includes teachers and babysitters, but also scout masters, little league coaches and others. Bottom line, if you want to find out more about someone, you should perform a background check.

Answer 6

It relies upon the place you're, yet you actual might desire to checklist the twist of destiny to your coverage organization. the owner of the automobile is responsible for any damages, so it does not truly count huge variety what your boss says, he will might desire to pay at last. regrettably, your interest is in all probability in jeopardy. thinking your boss is putting you in threat by not insuring the organization automobiles, that may not be a undesirable element. on no account say something admitting fault. there is often fault on the two components, because of the fact the different operator has a accountability to tension defensively. in some unspecified time interior the destiny, you could as properly be responsible, so verify in case you have coverage out of your vehicle insurer and your place insurer. because of the fact you're actually not meant to tension and not utilising a valid coverage card, you do undergo some accountability for not verifying that the automobile replace into insured, and you're in all probability fortunate which you probably did not get a citation from the police. do not procrastinate. call your coverage agent as quickly as conceivable. if your state demands it, make beneficial a police checklist is filed, too, so DMV does not droop your license.

Answer 7

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

Answer 8

Car insurance http://buycheapcarinsurancequotes2016.com/

Answer 9

i own a repair shop,and i know there is one,,but i cant 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.

Answer 10

The DMV, CLUE, and somtimes ISO.

After so many years, the incident falls off your record. I think it's 3 years.