Do Insurance Companies Share Information?

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Car insurance companies don’t share your information with each other, but they do access reports that help them understand your likelihood of filing a claim and the risk you pose as a driver.
Your Motor Vehicle Report (MVR) and Comprehensive Loss Underwriting Exchange (CLUE) report show insurance companies your prior tickets and accidents, plus how many home and auto insurance claims you’ve made in the past five to seven years. Both of these factors are used by insurance companies to determine how much money to charge if they offer you a policy.
Of course, being labeled a high-risk driver isn’t the end of everything! Car insurance comparison shopping and broker app Jerry helps you find the cheapest rates among dozens of companies quickly and easily, no matter your history.
To learn more about car insurance and your driving history, read on.
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How insurance companies know your driving history

Car insurance companies can view your personal information through your Motor Vehicle Report (MVR) and Comprehensive Loss Underwriting Exchange (CLUE) report.
Your MVR compiles the number of tickets and accidents you’ve had and informs the insurance companies of your risk factor. This report is similar to a credit report and follows you from state to state.
CLUE reports are less commonly used by insurance companies, but can still be factored into your rate calculation. CLUE reports focus on claims filed on your vehicle—like damage to your car from a burglary or weather-related damage—rather than your driving record.
Insurance providers access the information through independent agencies, so you don’t have to worry about it being shared between insurers.
Key Takeaway Insurance companies do not share information, but they all have access to MVR and CLUE reports to help them determine how risky you are to insure.

Can I prevent insurance companies from seeing my driving history?

In short, no. Insurance companies want to make an educated decision when choosing who to insure (and for how much). These reports help them collect the information they need to determine a fair premium based on your risk level.
More tickets, accidents, and claims on your record translates to increased risk for the insurer—and higher premiums for you.

How can I know what my records look like?

If you want to see your driving and claims records, you can request a copy of them. There is often a small fee associated with receiving a copy of a report, though it’s typically under $12.
Since there’s no universal report, you’ll need to contact each consumer agency individually. You can find a list of the agencies from the Consumer Financial Protection Bureau.

What if my record has incorrect information?

If you find any false information on your reports, you must address it with that particular reporting agency. Be sure to have documentation to support your dispute.

Am I stuck with expensive premiums?

If you have previous accidents, tickets, and claims, your insurance premiums will probably be on the higher side.
Minor violations will have less of an impact than serious ones and tend to affect your rates for only a few years. Major infractions like DUIs and reckless driving charges will have a far bigger impact on your premiums. Some insurance companies may even refuse to cover you, so it’s important to shop around with various providers.
But whether your record is spotless or spotty, you can still find an affordable policy that fits your coverage needs and your budget. An intelligent AI-based tool like Jerry is the easiest and most effective way to do it.
After providing you with a comprehensive cross-analysis of the best policies across providers, Jerry will handle the phone calls and paperwork for your top pick so that you don’t have to. And to ensure you’re always getting the best rate, Jerry presents you with new rates before your policy comes up for renewal.
Key Takeaway A spotty record usually means higher insurance premiums, but Jerry can help you find an affordable policy by quickly comparing rates from up to 50 top providers.
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Frequently asked questions

How long do tickets and accidents stay on my record?

Tickets and accidents never leave your record, but they typically only affect your insurance rates for three to five years.
This depends on the violation, of course. A minor speeding violation will affect your rates for far less time than a major infraction like a DUI, which can keep your rates high for a decade or more.

How often do insurance companies check your driving record?

Car insurance agencies only check your record if they have a good reason to do so—such as if you’re searching for a new policy or if your car insurance is up for renewal.

Can a car insurance company deny me insurance based on my driving record?

Yes. Insurance companies can choose not to insure you if they think you’re simply too risky. Some providers specialize in car insurance for higher-risk drivers.
If your driving record isn’t great and you need help finding a policy, use Jerry. Jerry compares rates from up to 50 providers in less than a minute, so you can save time and money while securing the coverage you need.
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