Comments on: Where do car insurance companies get your driving record in CA?

By: Insuranceman

Insuranceman — Thu, 26 Nov 2009 19:21:42 +0000

Insurance companies get wreck info from CLUE (Comprehensive Loss Underwriting Exchange) – more companies run CLUE Reports than MVRs! They are more informative!

Good luck and I hope this helps!

By: Scott H

Scott H — Mon, 23 Nov 2009 12:00:15 +0000

Was a citation issued at the time of the accident? If not, it won’t show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.

By: UwishUknewMyName

UwishUknewMyName — Sun, 22 Nov 2009 07:33:05 +0000

The only way a ticket or accident is reported on your driving record (obtained from the DMV) is if you were found guilty and convicted of the violation. Then that goes on your driving record.

If a claim is made with the insurance company, and they have your information, a submission will be made ot the National Insurance Claims Database.

Basically what that is, is the insurance company enters your info, your vehicle info, date/time of accident, etc.
When you apply for new insurance, your agent can search thru the database and see if you had any prior claims.

If you did and it wasnt submitted ot the database, and you don’t tell the agent, and its not on your driving record, well then i guess no one will ever have to know!

By: Curtis R

Curtis R — Fri, 20 Nov 2009 07:45:36 +0000

they just use the dmv

By: Terry G

Terry G — Sat, 14 Nov 2009 16:58:23 +0000

It’s the DMV they will check. If you were not cited a couple of years ago, then it would not be on your DMV record. You should be fine as long as you were not cited.