If your name was on the title and insurance...then your name will be associated with the accidents anyway.Every state sells its accident information to a company in Atlanta called ChoicePoint. Many states allow ChoicePoint to access this information on a daily basis.ChoicePoint then compiles it and will sell it to insurers....who use it for underwriting.If you apply for insurance and suffer an'adverse underwriting decision'based on information obtained in your MVR (motor vehicle report), you will have the right to get a copy of the information from ChoicePoint.If you are applying for insurance and comparing quotes...the company you apply to will pull a report on you and will be able to find the correct accident data for you, regardless of whether you got the dates correct on the prior accidents or not.You will not be dumped for providing'false information'.If you don't remember the dates....then just estimate them...just make sure you disclose as many as you can remember.To answer your last question....ChoicePoint gets all the data elements on accidents from the standardized SARS form....so that cross referenced information will be a part of your report. ------
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