How Do You Access a Car Insurance Database?


Quick Answer

Car insurance companies usually report insurance claims filed by consumers to one of two national databases, according to WalletHub. You can request a free copy of your own insurance history report from the Lexis-Nexus Comprehensive Loss Underwriting Exchange database at Personalreports.Lexisnexis.com or from the A-PLUS database at Verisk Insurance Services Office at Verisk.com.

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How Do You Access a Car Insurance Database?
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Full Answer

The Privacy Rights Clearinghouse reports that many consumers are unaware that insurance companies report and share insurance claims data. The information is used to develop a risk profile and score, and affects consumers' ability to obtain or keep auto insurance policies. Some companies even report inquiries made by consumers even when no claim is filed or paid. The databases contain information such as name, date of birth, Social Security number, and auto or homeowners insurance claims made in the last seven years, including the type of loss and amounts paid by the insurance company.

The insurance databases fall under the Fair Credit Reporting Act, according to the Privacy Rights Clearinghouse, so each company is required to provide you with one free copy of your report every 12 months, upon request. The Clearinghouse advises that you can dispute incorrect items on your insurance report, and recommends complaining to your state insurance commissioner if you are unable to resolve the issue.

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