Coverage & Claims
Homeowners Insurance

How do I get a false claim on my record removed?

The best course of action would be to call that insurance company and request all paperwork associated with that claim. It should show as a zero dollar payout, which you could show to other companies to dispute the claim. If you want to fight it off your record, you'd need to look up your CLUE report from LexisNexis and open a dispute regarding that claim.

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Coverage & Claims
Homeowners Insurance
Renters Insurance

How do I get a false claim off my insurance report?

I would call my prior insurance company (your renters provider) showing the false claim and see how they have it marked. I would also have them send confirmation that the claim was dropped and not paid out.

Coverage & Claims

If the person who damaged my vehicle is paying for the repair out of pocket, will the claim show up anywhere on my record?

Unless you notified an insurance company to file a claim or a police officer wrote an incident report of the damage, the repair will not be documented on your driving record or claims history. Insurance companies verify your driving history by looking at your Motor Vehicle Report (MVR) and CLUE report.

Car Insurance Costs

How can I get insurance with a not so good driving record?

Unfortunately the decreasing of points on your license doesn't necessarily translate to lower insurance rates, because the original ticket itself is still on your record. If you happen to have tickets actually dropped from your driving record then that would lead to lower rates.

Driving History

How do I get my insurance company to stop charging me for a ticket that was expunged from my record?

If you are being charged for a ticket that has already been removed from your record, you may be required to show proof to your insurance company that the ticket has been dropped. If the ticket has been dropped and your insurance company will not lower your rate, you should consider shopping with a new insurance company.

Eligibility

What is the best way to find an insurance policy with a bad driving record?

There are 2 things I can recommend that should lead you to success: 1st - Quote with as many companies as possible. 2nd - Disclose everything on your driving record when quoting.

Driving History

What can I do if a ticket is listed on my driving record but I was never issued a ticket?

Your best bet would be to request a copy of your driving record from the DMV and see what is listed. If you see something that is not supposed to be on there you may be able to dispute the ticket with the courts.

Eligibility

Does a criminal record affect your insurance?

A non-driving felony conviction most likely won't affect your rate, but it could make you ineligible for a policy with certain companies. Since you are already aware of the incident, you will want to disclose this when you call a company for a quote so they can let you know up front if that will create an issue.
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