Overhaulin'

when car insurance companies quote your rates they run your name SS# etc.Where is the information coming from?

I am looking to obtain a list of the accidents i have been in so that I know why i am being quoted so high by insurance companies. I am sure somewhere there is a Database to get this info. Is it linked with the DMV? I know you can get a list of tickets you have received but does it include accidents?

Public Comments

1. Insurance companies run your motor vehicle report which they get from each states department of motor vehicles. The program used to get the MVR is Choicepoint. Just contact your local DMV and ask for a copy of your MVR. Another report companies use is called a CLUE report. This is also received from Choicepiont. It lists all claims you've made going back about 5 years.
2. You can get that info from your state's DMV, but you may have to pay a fee for it. Here in Indiana we can do it online after setting up an account with the DMV web site. Check your DMV's web site to find out whether you can, and how. Your record may include accidents if they were reportable; it will depend on the state requirements. Many companies use a system called CLUE--Comprehensive Loss Underwriting Exchange--to list accidents, and you can't access that; it's only for insurers. However, a company should explain its surcharges if you ask.
3. Are you currently insured? If so ask your insurer for a CLUE report or LOE(Letter of Experience). Either letter will list all chargeable claims and accidents. If you're wanting to know why your quotes are so high ask the agent running your reports. They'll tell you whats on the report and give you a phone # if you need to dispute any of the information.