Windshield claims & insurance crap like that...
Windshield claims, as all claims are documented in a database for insurance companies. Your company/agent has the ability to run a CLUE report. A CLUE (Claims Loss Underwriting) report is a tool for agents & underwriters to determine eligibility etc. regarding your claims history. This report is not the ultimate deciding factor, but does contribute to the decision to accept/decline the risk.
CLUE reports list any claim that may or may not have been paid on your behalf. It also lists the date of the occurrence, the vehicle involved, the VIN no., amount paid out, type of claim (glass, bodily injury etc.). Sometimes it may be a member of your household's accident appearing on your report, because you share the same address (ie roommates, father-son/Sr.-Jr.) or it could be the person who lived at the house before you. Addresses, social security no's, DOB's etc are all cross referenced. This is why when you call around for a quote they ask you for your SS no., however, this report can be obtained w/o the SS no.
If nothing was paid out on this incident you are referring to, it should show the claim details with $0 paid out. This should not affect your rates.
The best advice I can give you, is to document & copy everything when you are involved in an accident. Especially if you are not at fault.... be sure to make copies of everything the other company sends you, including any settlement checks.
Hope this helps to clarify... sorry to ramble. I have been an insurance agent/broker/CSR in 3 states (CA, PA & NY) over 8 years and now work for an insurance company. Disclaimer: Some of the details above may vary from state to state.
Jennifer
Windshield claims, as all claims are documented in a database for insurance companies. Your company/agent has the ability to run a CLUE report. A CLUE (Claims Loss Underwriting) report is a tool for agents & underwriters to determine eligibility etc. regarding your claims history. This report is not the ultimate deciding factor, but does contribute to the decision to accept/decline the risk.
CLUE reports list any claim that may or may not have been paid on your behalf. It also lists the date of the occurrence, the vehicle involved, the VIN no., amount paid out, type of claim (glass, bodily injury etc.). Sometimes it may be a member of your household's accident appearing on your report, because you share the same address (ie roommates, father-son/Sr.-Jr.) or it could be the person who lived at the house before you. Addresses, social security no's, DOB's etc are all cross referenced. This is why when you call around for a quote they ask you for your SS no., however, this report can be obtained w/o the SS no.
If nothing was paid out on this incident you are referring to, it should show the claim details with $0 paid out. This should not affect your rates.
The best advice I can give you, is to document & copy everything when you are involved in an accident. Especially if you are not at fault.... be sure to make copies of everything the other company sends you, including any settlement checks.
Hope this helps to clarify... sorry to ramble. I have been an insurance agent/broker/CSR in 3 states (CA, PA & NY) over 8 years and now work for an insurance company. Disclaimer: Some of the details above may vary from state to state.
Jennifer
