What can insurance companies see?

What information do insurance companies have access to?

Insurance companies will ask for personal information such as your Social Security number and birth date to confirm your identity. They may also want to know what your salary is because they might limit how much insurance you can get based on your annual earnings.

What should I not tell the insurance company?

Don't give your insurance company any names or contact information for others, including family members, friends, or your doctor. Insurance companies may try to contact these individuals to get more information about the accident and your recovery.

What do insurance companies don't want you to know?

What do insurance companies investigate?

Insurance companies often conduct claims investigations to evaluate the legitimacy of a claim. The investigation process helps the claims adjuster make an educated decision about how to proceed with a claim. Insurance claims investigations are used to combat the prevalence of false or inflated claims.

Insurance Explained - How Do Insurance Companies Make Money and How Do They Work

What do insurance companies investigate when they are investigating a claim?

Physical evidence used when investigating insurance claims include fingerprints, the damaged property, computer hard drives, and DNA. Investigators will examine the evidence thoroughly to ensure and has not been substituted. Tampering with physical evidence can void your claim and may even lead to prosecution.

How often do insurance companies do surveillance?

Surveillance usually occurs in 3-day stints.

Insurance companies generally consider this ample time to get a good sampling of your activities.

Can insurance companies see other claims?

Yes, it's true. Insurance companies share information about claims in a database called the Comprehensive Loss Underwriting Exchange (CLUE) to help them assess the risk of a claim when you apply for a policy.

Can insurers see previous claims?

Most car, home and travel-insurance providers submit information to CUE, which typically stores details of insurance claims for six years. Insurance providers use CUE to calculate the cost of your premium, based on your claims history, so always be accurate and honest about any past claims when you buy car insurance.

Do insurance companies talk to each other?

Answer provided by

While car insurance companies don't talk directly to each other, they do share information. All car insurance companies can access your claims history through a database called the Comprehensive Loss Underwriting Exchange (CLUE).

What does an insurance assessor look for?

The claims assessor will in essence focus on the claim situation (what happened, where, when, how) and will determine whether it fits within the scope of cover and what the repair (or replacement) cost is. This assessor may also offer risk management advice post the claim.

What questions do insurance investigators ask?

How do you scare insurance adjusters?

The best way to scare insurance carriers or adjusters is to have an attorney by your side to fight for you. You should not settle for less.

Can insurance companies view my medical records?

Insurers can't see your medical records unless you give them written permission. Find out why insurers might need to access your medical history and what information they'd get.

Where do insurance companies get their data?

Property and casualty insurance companies are collecting data from telematics, agent interactions, customer interactions, smart homes, and even social media to better understand and manage their relationships, claims, and underwriting.

Why do insurance companies ask if you have other insurance?

When there are two health insurance policies in place, one serves as the primary plan and the other serves as the secondary plan. The carriers need to know about other coverage so they can coordinate benefits.

Can you lie about insurance being Cancelled?

Providing false information can invalidate your policy. This means that the insurer has the right to cancel your policy, leaving you unprotected in the event of a claim and also possibly treating you as an uninsured driver. You can find out the consequences of driving uninsured here.

Can I check cue database?

In order to see the information the CUE database has about you, simply make a free data subject access request using the Motor Insurance Bureau's (MIB's) subject access form. On the form you are given the option to receive your information by email or post, whichever is best for you.

Do insurance companies share data with each other?

Yes. There are specialty consumer reporting agencies that collect information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies. They may also collect driving records.

Are insurance claims public knowledge?

Yes, home insurance claims are public record. In general, only the parties concerned have access to the full and revised homeowner's insurance record. The policy owner and insurance provider are the parties involved in this situation.

How can I check my insurance history?

Your current insurer should be able to provide you with all information related to your claim history, even if you've switched companies over the years. Simply get in touch with them and ask for a report. You can also contact CUE, the Claims and Underwriting Exchange.

Do insurance companies have a central database?

The Claims and Underwriting Exchange – or CUE – is a central database with details of all incidents reported to insurance providers.

Do insurance companies look at cameras?

After a traffic accident, insurance companies may request access to traffic and security camera footage as part of the claim investigation, often with the goal of disproving liability.

How do you tell if a private investigator is watching you?

Pay Attention to Others' Actions

Private investigators typically stay one or two cars behind a subject's vehicle and they tend to keep their vehicle in your blind spot. Try making a U-turn to see if the vehicle follows you. Watch for someone following you on foot.

Can insurance company tap your phone?

No, an insurance investigator cannot tap your phone – ever.

Tapping a phone involves using electronic equipment to secretly listen to someone's phone conversations, and it is illegal. However, tapping a phone should not be confused with taking a recorded statement, which many insurance companies do on a routine basis.