When sports car insurance companies quote your rates they run your baptize SS# etc.Where is the information coming from?

I am looking to obtain a list of the accident i have been contained by so that I know why i am being quoted so high by insurance companies. I am sure somewhere in attendance is a Database to get this info. Is it linked next to the DMV? I know you can get a list of tickets you enjoy received but does it include accidents?
Answers:
Insurance companies run your motor vehicle report which they get from respectively 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 call a CLUE report. This is also received from Choicepiont. It lists all claims you've made going stern about 5 years.
You can get that info from your state's DMV, but you may have to income a fee for it. Here in Indiana we can do it online after setting up an article with the DMV web site. Check your DMV's network site to find out whether you can, and how.

Your record may include accidents if they be reportable; it will depend on the state requirements. Many companies use a system called CLUE--Comprehensive Loss Underwriting Exchange--to list accident, and you can't access that; it's only for insurers. However, a company should explain its surcharges if you ask.
Are you currently insured? If so ask your insurer for a CLUE report or LOE(Letter of Experience). Either letter will inventory all chargeable claims and accidents. If you're wanting to know why your quotes are so illustrious ask the agent running your reports. They'll tell you whats on the report and give you a phone # if you requirement to dispute any of the information. Source(s): Insurance Agent


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