Do Auto Insurance Companies Share Claim Information?

Do my auto and homeowners insurance providers share my claim and policy information? Yes. Specialty consumer reporting firms collect information regarding insurance claims you’ve made on your property and casualty policies, such as your homeowners and vehicle policies.

Can insurance companies see claims from other companies?

Yes, insurance companies share claim information with one another through databases like C.L.U.E., which is operated by Lexis Nexis and contains claims data from over 99 percent of vehicle insurance companies. If a driver requests a quote, insurers can use C.L.U.E. to examine the driver’s claims history. Insurance companies value claims history information because drivers with a history of claims, particularly at-fault claims, pose a higher risk to insurers.

The insurance industry’s equivalent of credit reports are claims databases. These databases, like credit reports, are intended to give a consolidated record of a consumer’s prior conduct. This data aids insurance firms in determining what premium to charge based on the specific motorist. But don’t worry: your claims history is simply one element that goes into determining your premium. Age, driving record, location, and vehicle information will all be taken into account by insurers.

Are insurance claims public knowledge?

Home insurance claims are, in fact, public information. Under the F.A.C.T. Act, both parties’ right to obtain insurance information is safeguarded by law. If someone is interested in seeing the record, they can request a copy of the policy.

Can new insurance See previous claims?

Homeowners insurance claims are routinely kept for five to seven years on the Comprehensive Loss Underwriting Exchange (CLUE), a national property claim database. When you file a claim, your insurance company sends the information to one of two major claims databases: CLUE or A-PLUS (Automated Property Loss Underwriting System).

As you may be aware, your claims history is important when switching insurance providers or purchasing a new policy. To assist price your policy, every insurer will look at your recent claims history.

What information do car insurance companies have access to?

  • Insurance brokers are a treasure of information since they are familiar with aspects about vehicle insurance coverage that the average policyholder is unaware of.
  • The information you supply to the insurance company, including as mileage reports, claims history, and credit history, is double-checked.
  • The higher a car’s ISO rating, the greater the risk to the insurance provider. As a result, your premiums will be greater.
  • Some traffic tickets have an impact on your insurance rates, while others have no effect. Because an agent is familiar with the complex algorithm used to determine rate hikes, he or she can tell you which types of tickets are likely to boost your expenditures.
  • If you take the time to ask, an agent can assist you in obtaining all of the discounts that you are entitled for.

What information can car insurance companies see?

The provider will know very little about you when you apply for vehicle insurance. They want to know how much risk you are willing to take on for them. That’s why they run a background check on you. Apart from your driving history, car insurance companies will consider a variety of additional factors to establish your risk level, including:

You will pay more if you are judged to be a high-risk driver, but you will save money if the insurance company classifies you as a low-risk driver.

Data is pulled from the same database by all vehicle insurance companies. Your motor vehicle report contains all of your accidents, claims, and tickets, giving the company a complete picture of your driving habits.

You won’t be able to purchase auto insurance until your driving record is reviewed by a firm. This implies you can’t hide bad driving habits or previous accidents; it’s best to reveal them throughout the quote process. While every firm looks at your driving record, some only go back three years while others look back further.

Companies will look at your Claims Loss Underwriting Exchange report in addition to your driving record. It will inform them how frequently you have filed insurance claims on your automobile and home, and it will assist them in predicting your claim risk in the future.

How are insurance claims tracked?

Your insurer adds the incident to the CLUE or A-PLUS record every time you submit a car or homeowners insurance claim. Outside companies manage these databases: LexisNexis for CLUE and Verisk Analytics for A-PLUS. If your insurance is a customer of both, both reports may be used.

Do insurers share claims?

Returning to Brokeasbrokecanbe’s original question, can giving a new insurer the truth get you in trouble for lying to the old one?

To see what would happen if this event arose. Several insurance providers, including Lloyds TSB, esure, and Swiftcover, were contacted. The responses were unexpected: basically, as long as he told the new insurance company the complete truth, there would be no repercussions for lying to the old one. Although insurers communicate information, they are unlikely to compare notes on the contents of an application form. They do, however, share information on claims and instances of policies being cancelled or voided, or insurance being rejected.

However, if it is discovered that the motorist misled to his former insurer, any new insurer is unlikely to be sympathetic. They may refuse to insure him or charge him a higher premium.

The conclusion of the story is that you should never risk deceiving your insurance in order to lower your premiums. You won’t be able to come clean if you ever want to. And if you ever need to file a claim, you won’t be able to do so unless you want to spend the rest of your life in prison.

There are considerably more effective strategies to save money on vehicle insurance. Adopt our objectives. To understand how to reduce your insurance and car costs, watch our video on how to beat car insurance renewal quotes.

Do insurance claims follow you?

Yes, the CLUE report receives information from most house insurance companies, so your claims history follows you. The claims history of your property has an impact on rates, even if the claims occurred before you purchased it.

The CLUE report will include claims dating back seven years. While a CLUE report will not include inquiries to a home insurance company, insurers may have their own records.

So, if you called a home insurance company about a prospective claim but ended up taking care of the problem yourself, the insurer may still have that conversation on file.

How do I check my insurance claim history?

With the introduction of the internet, determining the status of two-wheeler insurance has become more easier and more efficient. The Insurance Information Bureau (IIB), established by the IRDAI, allows you to check your bike insurance status online. The procedure for checking the status both online and offline is as follows:


Step 2:Fill in the required fields, which include your name, email address or cell phone number, address, vehicle registration number, and accident date.

Step 4:If the respective two-wheeler insurance policy details do not appear, the previous policy data will be displayed.

If you are unable to view any details using the aforementioned approach, you can search for the bike’s engine and chassis number.


You can use the following methods to verify the status of your two-wheeler insurance policy offline:

If you call your insurance company, they will be able to supply you with the specifics of your bike’s insurance coverage.

If you wish to look up the status of a vehicle that was in an accident with yours, go to: