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Insuranceman
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Insurance companies subscribe to CLUE (Comprehensive Underwriting Loss Exchange) and most of them run THIS report instead of Motor Vehicle Reports - which only show citations and accidents with police involvement!
Don't try to hide ANYTHING - drivers, tickets, accidents - for if you do, and the company finds about them during their underwriting period (which can range from 30-60 days depending on the State) and they can reject your application and your coverage.
The worst case scenario would be "material misrepresentation" which they could do at the time of an accident - where the company would DENY your claim, and return your money that you had paid for insurance.
Be truthful - it pays in the end! |
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BFH
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They know when you are sleeping
They know when you're awake
They know when you've been bad or good
So be good for goodness sakes
You better not drink
You better not speed
You never can hide I'm tellin' you why... |
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boohoo1964
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Its called a clue report. All insurance agencies will run it, it's like a credit check. If its with the DMV then its on your record... |
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Scott H
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Yes, all claim information goes into a central database. |
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tonalc1
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If your insurance company has it, the DMV has it. So yes.
Also, if you go to a new company, they're going to ask where you were insured before. You have to provide this info; otherwise they won't insure you, not wanting to take on liability for any unknown claims. They will provide info of the accident. |
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oklatom
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I have one accident on my record...
That means any insurance agency can access it. Besides that, when you go to a new company they will ask about your prior company, they will ask it you are currently insured. If you aren't, it's going to cost you more. They will ask if you have any tickets of accidents over the past (usually) 3 years. If you leave one out, and they find it, they are going to want to know why. |
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1902968BRAD
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yes |
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Linda S
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It doen not matter Your accident will not be held secret. That is what you have other agencys for to run up your rates. |
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bundysmom
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Yes...they share info all the time. |
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CwboyBill
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Yes. |
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Wait a minute...
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Unfortunately YES THEY DO...it is NOT kept personal......but if it was NEVER reported then it is null and void...do not worry about it...only if the insurance gets a hold of it...then other companies know about it....BUT SOMETIMES THEY WILL ASK FOR A DMV REPORT....then if it is on there...you are screwed...sorry!!! |
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larnsue
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absolutely. and why should you want to lie? its not the police who report to the insurance companies you know. maybe you should look at the one accident as a lesson and be more careful????? huh?? what a thought. thats why its called an accident right? if you withhold information as such and you get insured- when its found out you'll then be dropped due to your LIE. what is worse then? do you want no one to trust your word? |
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Kris Z
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Two of the biggest crooks are insurance companies and banks. Yes they share information but if your accident was less than say 600.00 dollars it might not be held against you.
Just so you know your car insurance premium could be directly tied toyour credit report. How's that for a good driving record. (CROOKS) |
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Tobby
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no |
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