Coverage & Claims

Does an accident appear on an MVR without a police report?

Typically, if the police are not involved, the accident will not show up on your motor vehicle report (MVR). However, the accident may show up as an at-fault accident on the CLUE report which is the report that pulls and verifies prior insurance claims.

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General Insurance

Can insurers share claim payout information?

The C.L.U.E. report is used by many insurance companies to report claims.

General Insurance

How many years of driving history do insurance companies check?

While it can vary by car insurance company, most insurance companies will charge (rate your premium) for any ticket or violation for 3 years. However, after that 3 years you won't be charged.

Coverage & Claims

How often do insurance companies pull CLUE reports?

Normally insurance companies will run your CLUE (Comprehensive Loss Underwriting Exchange) report when you first start your policy or some time within the first 60 days. It costs money for them to run the report so they don't usually pay to have it run after your first renewal.
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