Do insurance companies use LexisNexis?
Asked by: Dr. Dawn Mohr DVM | Last update: January 13, 2026Score: 4.7/5 (30 votes)
Which insurance company does not use LexisNexis?
Root, Metromile, and Mercury Insurance are the best car insurance companies that don't use LexisNexis. Root is the cheapest company that doesn't use LexisNexis. Rates start at $16/month. However, Root and Metromile are only available to low-mileage drivers.
Do underwriters use LexisNexis?
The LexisNexis® Electronic Inspection Report provides insurance underwriters with instant access to the public records information they need to evaluate risks presented by life insurance applicants.
What database do insurance companies use?
Where is my insurance history kept? This claims information service is traditionally called the “Index System” (or “Index Database”) and is used by most insurance companies to secure the claims history of every claimant.
What reports do insurance companies use?
An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it'll offer you coverage and how much you'll pay.
What Is LexisNexis Used For In Insurance? - CountyOffice.org
Who would use LexisNexis?
Who are your customers? Examples of LexisNexis customers include law enforcement agencies, federal homeland security departments, banking and financial services companies and insurance carriers, legal professionals, and state and local governments.
Can I pull my own LexisNexis?
You may order information on yourself by filling out a request, which must include proper identification. If you have questions or need to submit documents, you can do so via our LexisNexis Risk Solutions Reports Help page.
What shows up on LexisNexis?
The report includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses.
Does Geico use LexisNexis?
On its website, GEICO defines a “claim” as “[a]ny request or demand for payment under the terms of the insurance policy.” (Id. ¶ 19). Notwithstanding this definition, GEICO “has an established policy and procedure of reporting all inquiries regarding potential claims to LexisNexis, as if they were actual claims.” (Id.
What information do insurance companies have access to?
An insurer can only access your medical records if you give your permission for them to do so. If you agree to let them go through your medical history, they'll contact your doctor and will look at your records over the last five to ten years.
Is it a good idea to opt out of LexisNexis?
When so much information is easily accessible online, it makes it incredibly easy to become a scam victim or to lose privacy. So, if you have concerns about your privacy, data security, spam, scams, and identity theft, we suggest deleting your data from LexisNexis.
Can I view my LexisNexis report?
You can request and receive reports from LexisNexis Risk Solutions online. After your request is submitted, you will receive a letter via U.S. Mail with details explaining how to access your report online.
How do I remove myself from LexisNexis?
- Step 1 – Gathering the Necessary Documentation. As mentioned, you'll need documentation to complete the LexisNexis opt out process. ...
- Step 2 – Filling Out the LexisNexis Opt Out Form Online. Go to the LexisNexis Opt Out form online.
How far back does a LexisNexis report go?
In most instances, records go back a maximum of seven years. For details about what sources are included in the LexisNexis proprietary criminal records database search, click here.
How do insurance companies use LexisNexis?
LexisNexis® Risk Insights Score
Risk Insights Score uses some of the data from the LexisNexis® Risk Insights dataset to create an insurance risk score. Insurers may use this at quote or renewal or when you make a claim as one of the factors to help inform their risk assessment.
Why are LexisNexis searching me every month?
Why do insurers and brokers carry out searches with Credit Reference Agencies? Insurers and brokers carry out searches with CRAs for several reasons. These reasons include checking an individual's identity, assessing their insurance risk, and assessing creditworthiness.
Can anyone get access to LexisNexis?
LexisNexis® Public Records can be accessed by clicking on Public Records in the global navigation bar. Public Records only appears when you subscribe and have access to Public Records under your LexisNexis® Agreement.
Who are LexisNexis insurance services?
LexisNexis Risk Solutions is a global business organization that provides a range of services including solutions used to prevent and investigate identity theft and other crimes and to manage risk in businesses.
How do insurance companies get my information?
They may also collect and report on your driving record. Insurance companies use information in these reports to choose the types of policies they offer you and the premiums you pay. Just like with the big three consumer reporting agencies.
What allows insurance companies to access your credit report?
A federal law, the Fair Credit Reporting Act (FCRA), states insurance companies have a “permissible purpose” to look at your credit information without your permission. Insurance companies must also comply with state insurance laws when using credit information in the underwriting and rating process.
Can other insurance companies see your claims?
Every insurer scopes out your recent claims history as well as the claims history for the home when you switch insurance companies or purchase a new policy. This helps them price your policy. You should note, however, that not every insurer looks through your entire claims history.