How Insurers Size You Up -- And Leave You High And Dry
(Or low and flooded and without flood insurance.)
And what you can do about it.
Free CLUE report on insurance claim history, employment history, or resident history per the law (one free per 12-month period, via LexisNexis).
via Jay J. Hector, who knows a thing or two about insurance







Really?
I went to fill out the form online, and they wanted to "verify my identity" - by asking who the seller was of a home I purchased 20 years ago, and then who bought it from me 5 years later. Who remembers stuff like that?
Carla at October 3, 2012 5:54 AM
@Carla:
> Really?
I went to fill out the form online, and they wanted to "verify my identity" - by asking who the seller was of a home I purchased 20 years ago, and then who bought it from me 5 years later. Who remembers stuff like that?
That's particularly awesome at a site named "privacyrights.org".
TJIC at October 3, 2012 8:29 AM
Amy Alkon
http://www.advicegoddess.com/archives/2012/10/03/how_insurers_si.html#comment-3358523">comment from TJICAsked Jay to comment on this.
Amy Alkon
at October 3, 2012 8:31 AM
Since getting the report of what Lexis-Nexis has in their CLUE database can only be done via mail, and not online or via fax, what online form are you filling out?
The CLUE database contains all sorts of info that might not be relevant to a particular person, as anyone who's used/lived at the address in the past can be in the database, and I've seen a list of people that the current resident has no idea who they are, but at some point in time they lived at that address.
"# Can I receive my LexisNexis Full File Disclosure by fax or e-mail?
At present, LexisNexis Full File Disclosure results are available to consumers only by mail. Since the information that comprises the file is obtained from numerous sources within LexisNexis Risk Solutions, and due to the volume of information provided, coordination and mailing of hard-copy documents is the most secure and efficient way to make the information available to consumers. We are working to automate this process in the future."
Jay J. Hector at October 3, 2012 10:37 AM
This is what you need to do to get a report . . .
https://personalreports.lexisnexis.com/pdfs/CD107_CP-File-Disclosure-Request-Form_pg-1.pdf
Jay J. Hector at October 3, 2012 11:00 AM
I want more posts from Jay J.
Hell, I want a personal consultation with Jay J. I"ll pay a fair price.
Crid [CridComment at gmail] at October 3, 2012 2:33 PM
CRID, don't confuse me with the UK stud-muffin that has taken over a google search for my name, in case you like his pic (note that he seems to be gay from his links, or at least gay sites like him).
The CLUE form needs to be filled-out (and sent with the verification info), which I did not link to, but if you follow the link from privacyrights.org to LexisNexis, the form is one of those linked PDFs.
The insurance companies pool their claims info and feed it to CLUE to turn up claims that people don't admit to, or forgot about, and that are not in a state driving record report. Unrevealed claims can cause an uprate or cause you to be declined for coverage. Don't forget that any time someone else rams you and their insurance company pays for your damage, you need to get a proof of non-fault letter from the other carrier or you might have a tough time years later getting the proof that you were not at fault. Don't settle the claim without getting the letter first (for your file for future use).
Jay J. Hector at October 3, 2012 3:59 PM
Filing carefully, and thank you for taking the time.
Do you do health insurance advice, too?
Crid [CridComment at gmail] at October 3, 2012 4:12 PM
No, just property/casualty.
Jay J. Hector at October 3, 2012 6:49 PM
Listen, man, I own my body.
No go?
Thanks anyway.
Crid [CridComment at gmail] at October 3, 2012 7:41 PM
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