Can your company see your insurance claims?
Asked by: Dr. Dustin Murazik MD | Last update: October 17, 2025Score: 4.9/5 (42 votes)
Can insurance companies see your claims?
Yes. There are specialty consumer reporting agencies that collect and report information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies.
Are insurance claims confidential?
California Insurance Code Sections 791 - 791.27, the Insurance Information and Privacy Protection Act (IIPPA), provide protections for one's personally identifiable information, which is generally provided to an agent, broker or insurance company in order to apply for insurance or submit a claim.
Will my employer know if I go to therapy?
Absolutely not. Therapy is confidential medical information, and unless you're getting some type of security clearance, no employer is going to care if you go to therapy. It's illegal for them to discriminate against you for getting therapy.
Can insurance find out about claims?
Insurers use the CUE database to check if any incidents have occurred with different vehicles so if you fail to tell your insurer, they can usually find out anyway. The price will usually rise at renewal, or when you're buying a new policy, rather than at the moment you make a claim.
What US Insurance Companies Aren’t Telling You | Informer
Are insurance claims public?
Yes, insurance claims are public record, but not everyone can see them. Homeowners, insurance companies and lenders can request copies of CLUE reports. Prospective buyers can ask a homeowner to see a home's CLUE report. Unrelated parties can't access these documents.
How many claims are too many for car insurance?
Every insurance company sets its own benchmark for triggering a cancellation, but it is more likely that you'll face cancellation or non-renewal if you've made three or more claims within a three-year period. Most cancellations occur within the first 60 days of a policy, usually due to non-compliance.
Does your employer see your insurance claims?
Can my employer see my health insurance claims? No, due to federal laws like the Health Insurance Portability and Accountability Act, your employer cannot access your medical records. However, there are some exemptions.
Do I have to disclose therapy to my employer?
You have the right to disclose at any time during your employment. You also have the right not to disclose. The Americans with Disabilities Act(ADA)1 states that employers cannot ask questions that will likely reveal the existence of a disability before making a job offer.
Can my employer see if I went to the doctor?
However, your employer cannot obtain information about you from your health care provider directly without your authorization, unless other laws require them to disclose it. However, if you work for a health plan or a covered health care provider, the Privacy Rule does not apply to your employment records.
Are insurance claims discoverable?
The California Supreme Court opened the door to the discovery of other claim files in Colonial Life & Accident Co. v. Superior Court. (9) There, the insured sought the names ofother insureds whose claims were assigned to a particular adjuster to look for a pattern in the way the claims were handled.
Does HIPAA apply to insurance claims?
HIPAA covers a wide range of transactions, communications, and interactions that involve the electronic exchange of health information. This includes: billing and submitting health insurance claims, which allows providers to get paid for their services. processing payments and conducting benefit eligibility inquiries.
What information can insurance companies access?
The Power of Integrated Information Management for Insurance Companies. Insurance companies have records for just about everything — customer information and policy details, rates and underwriting procedures, marketing material, and licensing records. The list goes on, and on… and on.
How long do insurance claims stay on your record?
For minor accidents, the record retention period typically spans three years from the date of the accident. Notably, if you were not deemed at fault, it is illegal for insurance companies to increase your premiums in California.
What triggers an insurance investigation?
Inconsistencies and delayed claims can trigger alarm bells, leading the insurance company to closely scrutinize the legitimacy of your case. The duration of your recovery is not only critical for calculating the compensation but also for evaluating the credibility of your claim.
Can a new insurance company see old claims?
A Comprehensive Loss Underwriting Exchange report — commonly called a CLUE report — details personal property and auto insurance claims dating back up to seven years. When you're shopping for a new insurance policy, insurers will likely request a CLUE report to view your claims history.
Will my employer know if I see a therapist?
Mental Health Records Are Protected Under the Law
The Health Insurance Portability and Accountability Act (HIPAA) prohibits healthcare providers from disclosing your medical records without your explicit consent. This means your employer cannot directly contact your therapist or psychiatrist to obtain your records.
What happens if I refuse my employer access to my medical records?
Although your employer has no legal right to obtain your medical records, reviewing them would provide an efficient way to evaluate your condition. If you are unwilling to provide the records, your employer could require you to undergo an independent medical examination to secure the same information.
Do I have to tell my employer I am on antidepressants?
You do not have to disclose information to your employer. However if your employer does not know of any issues, they are unable to help. It may be beneficial to disclose information to your employer early on, so that steps can be taken to help, and therefore hopefully prevent problems in the workplace developing.
Can insurance companies see your insurance history?
In regards to your insurance claims, though, insurance companies can see a CLUE report (Comprehensive Loss Underwriting Exchange) that tracks seven years of claims information, such as the type of claim and the payout that was made.
What is a HIPAA violation in the workplace?
A HIPAA violation in the workplace is any failure to comply with the standards and implementation specifications of the HIPAA Administrative Simplification Rules (i.e., the HIPAA Privacy, Security, and Breach Notification Rules) when the workplace is controlled by an entity subject to the Health Insurance Portability ...
Can my employer make me go to counseling?
While an employer can't force an employee to seek mental health treatment, it can require a fitness-for-duty examination when the person's behavior creates concern for the health and safety of that individual or other employees.
How long does an accident stay on your record?
In general, an accident in California can remain on your driving record for three years. If you've been involved in an at-fault accident in California, car insurance companies can increase your premium as you're deemed a riskier driver. Note, that California has banned increased premiums for no-fault accidents.
What happens if I make a lot of claims on my insurance?
What happens if you make too many insurance claims? The more insurance claims you file, the more expensive your premium will likely be. Some insurance companies may cancel your policy if you file too many claims.
Is hitting a deer an at-fault accident?
Well, maybe in the "dictionary" sense of the word "collision." Most people assume that you have to have collision coverage on your policy for this type of incident to be covered. Not true! Deer (and any other animal) hits are actually paid out under comprehensive coverage and are not considered at-fault accidents.