NLIC.org

Audrey Said:

What's the difference between dealing with a car insurance company directly or a local agent?

We Answered:

In addition to what a-mac said; if you have a claim but you are unsure if it is covered you can discuss it with your agent without submitting it to the company. (Companies do not like this - fyi)
If you call the company, and it turns out there is no payout on the claim it will count against you and you will probably see a change in your rates.
Remember: you get what you pay for. There is one company that has an 800 number that I would be extremely cautious with...

Ronald Said:

How does a car insurance company know how often I use my car?

We Answered:

They will believe you until you get into a serious accident (not just a fender bender) That's when they check everything. And if they think you've been fibbing, they may not pay for anything.

Leroy Said:

If I make a claim using my company car insurance, does that affect my personal insurance reputation?

We Answered:

I don't think it would. the claim is NOT against your personal insurance so they don't even find out about it probably (how would they?). Now your company that insures the car they provide to you - their rates may go UP. That may not make your boss happy!

Maxine Said:

How would a car insurance company know if i had a claim on previous insurance policy?

We Answered:

There is a central database, called the Comprehensive Loss Underwriting Exchange. All claims are reported to them, and when you take out a new policy, your insurance company asks for a report FROM them, about claims.

MOST people shopping for insurance, will get quotes from 3, 5, 10 different companies. CLUE charges $15 for each report. It doesn't make sense financially, to check the information you gave, until you've committed to buying a policy. What happens, when you go to buy the policy, give your down payment, is they check THEN, and when they find out you lied, they "uprate" you. That quote is only as accurate as the information you give them.

Victoria Said:

How do I get the Car insurance company Responsible to pay my Medical Bills?

We Answered:

get a lawyer

Morris Said:

How do I find out which insurance company I last held car insurance with?

We Answered:

There are a number of things you can do to find your car insurance coverage history & claim history:

* Look through old bank statements / credit card statements. Because there's usually a company name in the description line for your payments, you can probably find out which auto insurance company covered you at that time.
* Contact your local DMV - your DMV may be able to tell you about your previous insurer, but with no claims... maybe not. Here's a site that lists direct links to US DMV websites: http://www.dmvlist.com
* Get a CLUE Report - a report from this site will outline your claim history for vehicles / property for your future insurer. If the other options fail, this would be the way to go. You can find out more information here: https://www.choicetrust.com though, I'm really unfamiliar with it.

The last may be more what you're looking for, but checking bank statements and credit card statements may be faster and cheaper.