What do car insurance companies look at in your records?

fire4511

Your record will only show the offense that you were convicted of, not what the original charge may have been.

Lonewolf

Most insurance companies will look at your DMV record (tickets, accidents, how long you had a driver's licience, drivers' ed) as well as where you live, where you drive, accident rates for your area, type of vehicle to be insured, as well as if the vehicle has a leinholder on the title (meaning if it has a loan on it or not).

As far as what your DMV states as traffic offenses, whatever the judge stated in your trial in traffic court is what the charge is on your DMV. Any type of accident will raise your insurance rate but they will also look at the amount of time between the incidences as well to determine if you are a high-risk driver.

Shop around and get the best quote. Try different quotes with different deductable settings ($500, $1000, $1500) as the higher the deductable, the lower your insurance premium will be. But keep in mind that if you do happen to get into an accident that you deductable comes out of your pocket.

Hope this helps you out.

HULK RULES!!

The 2 things they usually check for are tickets and accidents. They may also run a criminal background check on you.

wowwow

Accidents, Carelessness of driving,
Points, Recklessness of driving,
Moving tickets.

Better to tell them all and explain why and what happen to them, than for them to find out by themselves. Beacuse they'll find it, nothing is secure and safe from them, they'll see it and take it as if you lied to them and thats a different penalty on its own.

I'll suggest that you went ahead and let them know.

cmpbush

Insurance companies are only supposed to have access to your official state driving record which will show what convictions are reported by the court to your DMV...which should be impediment to traffic and failure to report. They will also access the insurance claims database run by the insurance industry which will show any claims made by you, for you and against you so that will also be a consideration. Some states also allow the insurance company to check out your credit bureau report as a measure of whether or not they want you as a customer... depends on the state. Good luck and be careful. Even if you did get the careless and hit and run reduced, those indicate dangerous driving. I hope you've improved your safety habits by now.

oklatom

Under the freedom of information act, you have the right to see your record. Have a look, and then you will know for sure.

And it depends on exactly what they ask. If they ask "Have you been convicted of any traffic charges?" you would answer one way, if they ask "Have you ever been charged (or arrested) for any traffic charges?" then the answer would be different. If they do ask and you don't answer right, and they find out, that's grounds to deny your claim or drop you.

PeppermintandPopcorn

It depends how fast the DMV will update your records. Tell the insurance company what you were convicted of (impednig traffic/failure to report) and if the DMV has not updated the record - show the insurance company the information...

CaseyAngelEyes

Insurance companies only will see the violation that you were actually convicted of. Insurance prices vary greatly for high risk drivers. You may want to try getting a quote online. I am paying less than Â½ of what I was before I did.

Auto Quotes: http://www.insureme.com/landing.aspx?Refby=615451&Type=auto

Take care,
Casey

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