Overhaulin'

How do car insurance companies know if you have had car accidents/tickets in the past?

I was in a fender bender, but there was never a police report filed. However, I did file a claim on my insurance company. If I was to switch insurance policies, would the new insurance company be able to know about the accident? OR since there was no police report is it not on record?

Public Comments

1. Insurance info is always kept in LIKE a national registry of sorts. Any time a claim is filed not only do they know about it but YOUR insurance will get higher and YOU may not be able to afford insurance cause others will charge HIGHER because you are considered a RISK.
2. Yes, they will. Insurance companies don't find out about police reports. They run a CLUE report. That stands for, comprehensive loss underwriting exchange. See, every insurance company reports to this company EVERY SINGLE CLAIM they get - the car, the address, the driver, the payout, etc. Then, when a company writes a new policy, they ask for a report from the company, of all the claims filed for the driver, the owner, the vin, the address. And they'll get that report, and find out that there was a claim filed. So, yes they'll know.
3. There are lots of people having the same question like you and yours is just another one. Basically speaking about car insurance<!--Car insurance is the most widely purchased type of insurance coverage. Car insurance is designed to protect you, your family, and your automobile. You may get your query answered here, http://www.best-autoinsurance.we.bs/ Cheap car insurance is a popular avenue these days, but you should be sure that you're getting all of the coverage you need, as damage to your car or another-->person's car may cost you money out-of-pocket if you don't have sufficient coverage and your car insurance rate may go up.
4. They pull your driving record from the DMV
5. As mentioned previously, they obtain a CLUE report which shows all property and casualty insurance claims (sort of like a credit report for insurance purposes) and they obtain a copy of your driving history from the state DMV.
6. Unfortunately, yes they are. It's called CHOICEPOINT (C.L.U.E., Inc) and ALL Insurance companies use this company as a repository of claims information to cross check everyone for all types of policies (Home, Auto, Liability, etc.). But, the good thing is because they are legally considered a Credit Bureua you can request a copy of your file to see what they have on you. You are entitled to a FREE report from them as required by the FACT ACT. Who knows, maybe they don't have anythiong on you. Give it a try. Go here to access: a good website?site=3&clickid=792070842162806786 If you want some more information, I would check out... http://www.safelinked.info/go.php?link=insurance Take care.
7. Hi, Good post. I had some problems with my car after I had an accident. My Insurer wanted to raise my rates $525 a year! I've never even gotten a speeding ticket! I looked for a new provider and found this website: http://www.help-with-my-rent-mortgage.org They compare all of the major insurance providers and give you the best deal. I ended up saving over $300 from what I was previously paying (that's $825 a year!). Good Luck