Where do car insurance companies find accident/driving violations?

[Color Blind]

I have a clean driving record since 1991. I insured my younger brother's car a few years ago. He was in a couple accidents with alcohol playing the factor. The car title was under my name along with insurance. I want to compare insurance quotes but I honestly do not remember the dates of his accidents (3-4+ years ago?). If I find a cheaper rate, I want to make sure I am not dumped by the new insurance company for false information. How do I access the same information the insurance companies find for actual quotes? Since it was his name associated with the accidents and not mine, is there a unique database for this? ------

[Queen of Diamonds]

From State driving records.They cost about ten dollars to view depending on where you live. ------

[DropTopAle]

It's called a driving abstract you can just go to the DMV and request one they are pretty cheap, maybe $6 to $10 for one or you might be able to get it on your states website. Or I bet if you ask the insurance company that you are interested in to look that info up for you, I'm sure your not the first person that can't remember accidents, dates, tickets etc.. ------

[dodge man]

i own a repair shop,and i know there is one,,but i cant find it,,this used to be open to the public,,but the last time i tried it it said URL doesn't exist anymore,but someone might know a way to do this,,i know they have access to a large data base,,that has all of our driving records on it,,good luck with your hunt though,,hope this help,s. ------

[markmywordz]

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. ------

[thaphillips]

Accidents show up on a claims loss report, commonly referred to as a CLUE report. I would suggest obtaining a LOE, letter of experience, from the insurance company who was covering you at the time of the accident. This should advise that you were not the operator of the vehicle. CLUE reports will not indicate alcohol was involved. CLUE reports are often inaccurate.An MVR report will show an accident in certain states, if a police report was filed. This report comes directly from your license at the DMV. This should not be a worry unless your brother used your DL.If activity was found on your record a notice should be mailed to you and list an address of the reporting company where you can obtain your consumer reports. ------

[Loollea]

insurance companies use two different means to collect the info they needthe first is by your driver license number - info gathered from the statethe second is from a reporting agency that registers all claimsyou will probably find that there isn't anything showing up from your DL # but will show a claim filed under a policy owned by youyou should be prepared to show that you were not the driver in those instances ------

[Kim G]

The DMV, CLUE, and somtimes ISO.After so many years, the incident falls off your record. I think it's 3 years. ------

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[susunjosh]

From the State driving records will help you best. Its cost is very cheap as well as it is very hard to get. Among its cost is about ten dollars and I am sure to say that it is to viewing it is depending on where you live.