Is there a home insurance database?

How can I check my home insurance claims history?

If you want to know what information is held about you, you can find out by completing a Subject Access Request form on the Motor Insurers' Bureau website. You can also ask your existing insurer for details of your claims history over the last few years (even if you have switched insurance providers during that time).

How can I check my insurance record?

Simply visit the Motor Insurers' Bureau (MIB) website and complete a Subject Access Request form. If you think any information being held about you is wrong, contact the insurance provider who you think sent the incorrect data, or the MIB itself.

What database do insurance companies use?

Each time you make a car insurance or homeowners insurance claim, your insurer adds the incident to the CLUE or A-PLUS report. These databases are run by outside agencies — LexisNexis for CLUE and Verisk Analytics for A-PLUS. If your insurer is a customer of both, it might use both reports.

Do insurance companies talk to one another?

While car insurance companies don't talk directly to each other, they do share information. All car insurance companies can access your claims history through a database called the Comprehensive Loss Underwriting Exchange (CLUE).

What information do insurance companies have access to?

Insurance companies will ask for personal information such as your Social Security number and birth date to confirm your identity. They may also want to know what your salary is because they might limit how much insurance you can get based on your annual earnings.

Can you lie to insurance companies?

Lying to your insurance company can get you into big trouble. Even if the lie seems small, it's insurance fraud. You are knowingly deceiving your insurance company to benefit, which can result in jail time, fines, and license suspension. While changing your coverage to collision insurance is temptin, don't do it.

How do I find out who I was insured with in the past?

Call the corporate offices of the insurance company with which you think you had coverage. Tell the company representative your name and address. Then, advise her that you are researching your prior insurance history and would like her to search for old policies that may have belonged to you.

What is an MIB database?

MIB gathers health-related information from life and health insurance applications into one database. Insurance companies that are members of MIB can compare information on your applications to the MIB database to help the insurance underwriting process.

How do you get a LexisNexis CLUE report?

Please call to speak to a live LexisNexis Risk Solutions Consumer Center representative at 1-888-497-0011 or contact us by email at consumer.documents@LexisNexis.com. To submit a request, you are required to provide your First Name, Last Name, Street Address, City, Zip, and Date of Birth.

Do insurance companies share information about claims?

Yes, it's true. Insurance companies share information about claims in a database called the Comprehensive Loss Underwriting Exchange (CLUE) to help them assess the risk of a claim when you apply for a policy.

How do I research an insurance claim?

To find insurance claims on a property, you can ask the insurance company to provide a copy of their records. You can request a CLUE report (Comprehensive Loss Underwriting Exchange), which consists of details related to damages, previous property claims, and repairs.

How do you scare insurance adjusters?

The single most effective way to scare an insurance adjuster is to hire an experienced personal injury lawyer. With an accomplished lawyer fighting for your rights, you can focus on returning to your routine while a skilled legal professional handles all communications with the insurance adjuster.

How do I talk to an insurance adjuster?

What questions do insurance investigators ask?

Can I check cue database?

In order to see the information the CUE database has about you, simply make a free data subject access request using the Motor Insurance Bureau's (MIB's) subject access form. On the form you are given the option to receive your information by email or post, whichever is best for you.

What is a CLUE report for homeowners insurance?

C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database produced by consumer reporting agency LexisNexis® that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.

What is an all payer database?

An all-payer claims database (APCD) is a system that collects health care claims and related data from all (or nearly all) entities that pay for health care services in a geographic area, including private and public health plans.

How long do insurance companies keep records?

Insurance Records with an (Employers Liability element) – 60 years. Liability records (other than Employers Liability) – 12 years. Other General Insurance Records – 7 years.

Do insurance companies share information UK?

Although insurers share information they would be unlikely to compare notes on the contents of an application form - although they do share information on claims and instances of policies being cancelled or voided, or insurance being declined.

How do I find out my no claims history?

You can find out how many years of no-claims bonus you've accumulated on your car insurance renewal paperwork, on your cancellation letter, or a letter from your provider confirming your no-claims discount. To be valid, it must be dated within two years of starting your new car insurance policy.