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A client asks "Do you pull a credit report when quoting my insurance"?

7/19/2019

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The quick answer is NO, a hard pull credit report isn't done and nothing shows on your credit report. We can do 15 different insurance quotes for you and nothing would show on your credit report at all. Insurance companies get a "score range" you fall in when factoring for your home and/or auto rates.

But what is called a "hard pull" that shows on your credit report is never done. In my opinion, insurance companies would never be allowed to use credit as a rating factor if that was the case. Consumers credit would be affected, which shouldn't and doesn't happen. I see this question a lot on various consumer credit sites and on insurance related blogs.
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                                                                                             Tom Larsen
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Do insurance companies report accidents to the DMV?

7/11/2019

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No they do not. There has to be a police recorded report for the DMV to pick it up. If it was a fender bender between 2 parties, with no police involved, it wouldn’t get to the DMV. However, the insurance companies loss WILL report it to C.L.U.E. (Comprehensive Loss Underwriter Exchange) which will show up. When changing insurance companies, they ALL go a C.L.U.E. check and want to know what happened in the incident.
(We’ve had $25 reported on a C.L.U.E., $121 mirror on a C.L.U.E, $75 towing on a C.L.U.E…….they are all there!)
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Who has the cheapest auto insurance in NY? Can an uninsured driver drive an insured car?

7/10/2019

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Insurance follows the car, so even if you are not insured, the insured car you are driving is covered. As far as cheapest coverage, deal with an independent insurance broker, who can shop your insurance for you (often with 7–10 different insurance companies.
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Do all accidents get reported to Carfax, even minor ones?

7/9/2019

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I would guess NOT because there is a service called C.L.U.E. (Comprehensive Loss Underwriter Exchange) that all insurance companies subscribe to. My guess is that is where Carfax probably pulls their information from. No insurance company would report directly to Carfax.
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When should you drop collision insurance on a car?

7/9/2019

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When it no longer has a good book value and you can afford to fix your car yourself. Usually about 7–8 year old vehicles stop having the resale value but use Kelly Blue Book or similar website to look up values.
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If insurance has declared my car totaled after an accident, can I get a second opinion?

7/2/2019

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​You can but most likely your insurance company won't change their mind. Another option is to buy the car back from the insurance company. If you believe the damage is repairable, then buy it back from them and fix it. It does become the property of the insurance company once you accept the totaled settlement, so you would then have to negotiate a buy-back.
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Larsen Insurance Agency​
8665 Sheridan Dr
Williamsville, NY 14221
(716) 684-3203
Click Here to Email Us

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  • Home
  • Quotes
    • Property Quotes >
      • Landlords Insurance Quote
      • Home Insurance Quote
      • Earthquake Insurance Quote
      • Renters Insurance Quote
    • Auto Quotes >
      • Auto Insurance Quote
      • ATV Insurance Quote
      • Roadside Assistance Quote
      • Motorcycle Quote
      • RV Insurance Quote
    • Business Quotes >
      • Business Insurance Quote
      • Hair Salons Quote
      • Restaurant Quotes
      • Business Owners Package (BOP) Insurance Quote
      • Workers Compensation Quote
    • Life & Financial Quotes >
      • Life Insurance Quote
      • Umbrella Insurance Quote
    • Other Quotes >
      • Boat Insurance Quote
      • Event Insurance Quote
      • Wedding Insurance Quote
      • Pet Insurance Quote
  • Service
    • Report a Claim
    • Update Contact Info
    • Policy Changes
    • Proof of Insurance
    • Policy Review
    • Contact My Carrier
    • Free Consultation
    • Client Login
  • Insurance
    • Property >
      • Landlords Insurance
      • Home Insurance
      • Earthquake Insurance
      • Renters Insurance
    • Vehicles >
      • Auto Insurance
      • ATV Insurance
      • Motorcycle Insurance
      • Roadside Assistance
      • RV Insurance
    • Life/Financial >
      • Life Insurance
      • Umbrella Insurance
    • Other >
      • Boat Insurance
      • Event Insurance
      • Wedding Insurance
      • Pet Insurance
  • About
    • Client Testimonials
    • Refer a Friend
    • Free Reports
    • Staff Directory
    • Insurance Carriers
    • Careers
    • Agency Photo Gallery
    • Accessibility Statement
    • News
  • Blog
  • Videos
    • Landlords Insurance
    • Comprehensive Coverage
    • Independent Insurance Broker VS an Insurance Agent
    • How to Get Good NY Landlord Insurance Policy
    • Homeowner and Liability Risks
    • Homeowners Garage Insurance
    • Property and Landlord Insurance
    • Underground or Service Line Homeowner Coverage
    • Running The Game with Tom Larsen
  • Contact
    • Privacy Policy
  • FAQs
  • Newsletter
  • Luxury Home Insurance in NY
  • Workers Compensation
    • Florists Workers Compensation in NY
    • Restaurant Workers Compensation in NY
    • Grocery Store Workers Compensation in NY
    • Bakery Workers Compensation in NY
  • Business Insurance
    • Barber Shop Insurance - NY
    • Brew Pub Insurance in New York
    • Coffee House Insurance in New York
    • Business Owners Package (BOP) Insurance
    • Hair Salon Insurance
    • Restaurant Insurance