Car Insurance Companies

Where do car insurance companies get your driving record in CA?

Question: I hit a guys bumper while driving a company car a couple of years ago and I thought he filed a claim but the company took care of it and I never heard about it again. I'm getting car insurance and I pulled my driving record from the DMV and all I have is a seatbelt violation but no accidents. Is there another database somewhere that insurance companies will check or is it just your DMV record? Maybe this all got settled without insurance intervention and I dont' want to pay higher fees if its not necessary. Am I in the clear?

Answer: Was a citation issued at the time of the accident? If not, it won't show up in the MVD. The insurance industry also has something similar to a credit report, called the CLUE report that lists past property and casualty claims made by you. That is used as well in determining your insurability.

Car insurance companies willingness to pay a claim?

Question: I've been looking at several different car insurance companies to compare rates and services. I've never had a claim in the past, but I was wondering if anyone had positive/negative feedback they'd be willing to share about any specific companies and how they handled a claim. I've been warned that some companies are pain to work with when you do file a claim, but maybe that was just a few rare circumstances with the people I've already talked to. Thanks for you input.

Answer: We have State Farm and they are very fast with clam payments. When our car was totaled last year, (while it was parked in our driveway, no less), the adjustor went to the lot the car had been towed to the day after it happened, to check it over, and brought a check to our house the next day.

How is it legal for car insurance companies to be sexist?

Question: So I know that the car insurance companies prices are "based on statistics" that show men get into more accidents than women, but... If it was statistically proven that for example, African Americans got into more accidents than Caucasians, would they be able to charge the African Americans more? If they can be sexist, can they be racist?

Answer: Welcome to the world of double-standards

How do Car Insurance Companies Decide who is at fault in accidents?

Question: Subject: Car Accidents and Fault Claims Hello there I was wondering is their an official book/standards of practise that Car Insurance companies use to determine fault of claim in car accidents. Or do different Car insurance companies adhere to their own rules in determine who is to claim? I would Appreciate any links or books to guide me to official source applicable in UK Regards HS

Answer: Read the road code mate. And If you feel further, look into the Butterworth Law Books. That's where even the police must study before they can enforce law.