In early 2012 I had two accidents that I was both liable for: One was a very minor rear end but the other was more significant with 10k for property damage total and about 3k paid to the other parties for minor BI. Like I said I was AF for both occurrences. I switched to another insurance company last summer but the LexisNexis clue report only showed one minor traffic violation in 2011. Both accidents DID NOT appear. Without providing too much detail, I told the agent that I "thought" I had a few accidents. She said nothing was listed related to that. I ended up getting an excellent rate and switched over. My renewal just came up this month and the rates went down even further as that one ticket dropped off and I received a "good driver" discount. Still nothing related to those accidents showed up on the Lexis report (which I can access on my insurance company's website.)
Last month I was curious so I got a quote from GEICO, and sure enough the accidents showed up. They quoted me a rate three times what I'm currently paying.
My presumption is that those accidents will clue with any other carrier, but why did the Lexis report not have them listed? Do insurance companies use different verification companies? Anyway, not complaining, just very curious ... because those accidents are not listed I am getting an insanely good premium.
Last month I was curious so I got a quote from GEICO, and sure enough the accidents showed up. They quoted me a rate three times what I'm currently paying.
My presumption is that those accidents will clue with any other carrier, but why did the Lexis report not have them listed? Do insurance companies use different verification companies? Anyway, not complaining, just very curious ... because those accidents are not listed I am getting an insanely good premium.
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