 Do Copays with health insurance get reported back to the primary holder? |
| I bought some prescriptions that I didnt want the primary insurance holder to find out about so I told the pharmacy not to run my insurance card... but for some reason the idiot did. So I was ... |
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 Passenger in a car crash and the driver's Insurance company didnt pay my medical bills on time? |
I was the passenger in a car with my girlfriend and we were in an accident that was her fault.
We both had to go to the emergency room.
When we received the Medicals Bills she ... |
|
 Can your homeowners insurance choose not to renew your policy after filing one claim? |
| We live in Ohio and experienced a house fire last new year's eve. We had been out of town. We lost everything. We filed a claim with our homeowners insurance policy and came close to maxing ... |
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 What is the cost of Medical Insurance for an 18 year old? |
| I am a 17 year old senior in St. Louis, Mo. I plan to move out of my parents house promptly after the school year is over. My boyfriend and I have been doing a lot of research on apartments and ... |
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 How much should I pay for health insurance? |
| I recently started a new job and will soon be eligible for health benefits. Last night I was going through the paperwork to sign up. To my horror I found that for me to sign up (for medical, dental ... |
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 What does deemed "medically necessary"......? |
| My sister wants to get the gasteric bypass surgery... she is about 370lbs and all other health plans have failed.... the surgeon is ready, she called the insurance company and they said the only way ... |
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 What is an insurance agent's job and would this piss you off? |
| I used to have this great insurance agent. About every 6 months or so I'd switch carriers because he would find ways to save me money. My old agent moved up in the company. My new agent has ... |
|
 Which is more corrupt Oil company's or insurance company's? |
| I cant stand both but really think that its a toss up. I just read about how insurance companys are limiting coverages again but what a crock. It is law that you have it but they have the right to ... |
|
 Will I loose my parents health insurance if I fail one of my college courses? |
| All too soon I'm going under the knife and I'm worried to death that me failing my online english will cause me to loose my parent's health insurance. Does anyone know if I will or not?... |
|
 What personal properties is covered with homeowner insurance? |
| I want take picture of the items in my car and home for insurance policy. What is or isn't acceptable?... |
|
 Will Obama really lower the cost of malpractice insurance for Doctors? |
If so, could anyone ballpark a figure for me? Please no partisan or biased answers, if you have disgruntled emotions about either Obama or doctors this probably isn't the forum for you.
A... |
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| What Exactly is AAA? |
I know a lot of people who have car insurance with Geico and other companies and yet they also have Triple A.....
Is it insurance, and why do other people get two insurance companies then?
I... |
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 I just got turned down for term life insurance. I am 41 years old and am wondering what I can do.? |
| The reason i was turned down was I am borderline diabetic. I am concerned for my family if something was to happen to me. What can I do to get some kind of insurance to make sure the bills I have ... |
|
 FL homeowners insurance cancelled? |
| After 11 years no claims, Travelers "no longer has a business relationship with the issuing agent." Anybody else had similar happen to them, and were you able to get replaced without going ... |
|
 Former employee rejected COBRA? |
| I work for a small business. An employee quit (without two weeks notice) to go work for another company. The day he quit we told him about his options as far as keeping insurance coverage through C... |
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 Medicaid application question- what to say on forms when you live with boyfriend but he doen't support you? |
| I'm a 28yo ft student that hasn't made a dime since Jan. I'm taking to way many credit hours to work. I got a little fin. aid and had to take out a student loan. I haven't even ... |
|
 How to keep Health insurance from being cut because of low hours? |
| My sister is 6 months pregnant and just found out from her work today that her health care insurance is going to be cancelled this week because she is not making enough hours for her to keep her ... |
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Ron Jer | How do auto/home insurance companies share information with each other? |
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bundysmom
 |
ISO reports, CLUE reports, and SIU departments of all insurance companies communicate with each other. |
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SUPERSTAR X
|
Unfortunately I can not answer specifically how, But I get a discount by combining my home and auto insurance |
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Quixotic
 |
There's an underwriters database they use. I vaguely recall the name having "Certified Liability Underwriters" in the name. It's available on line, but I couldn't find it. I think I read about on MSNBC. |
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fcas80
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They do not share specific information about individuals.
But they are permitted by statute to anonymously pool their data to take advantage of the law of large numbers. |
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california bill
|
Life and disability carriers have shared for years through a database called Medical Information bureau.MIB If you ever applied or was rejected it is in the database. In the past few years a smlilar data base for claims only has been developed for perssonal auto and homeowners. If you had a claim it is on the database. It is called CLU.(Comprehensive Loss Underwriting Exchange) |
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skahhh
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I do know they both check out your credit. |
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AriesJWR
 |
There's also a company called Choicepoint where most auto insurance companies report claims and losses, most major carriers use this data in determining your rate if you choose to insure with them.
Some major companies will require a "letter of experience" if the insurance company you want to switch from DOESN'T use this system to report losses. The letter of experience will need to indicate how long you were insured with your company and if you had any losses (claims). |
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mbrcatz
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They share limited information with each other, through a third party - Comprehensive Loss Underwriting Exchange. This is where the companies report the type of loss, address of the insured, location of loss (or vin of vehicle, for an auto claim), driver, policyholder, dollar of loss. In exchange, for an annual fee, they can submit a person's name or address, and get all the losses for that person that have been reported by other companies.
This is called a CLUE report.
For a homeowners loss, typically you see the location address, the dollar amount of claim, the type of claim (water), and if it's a catastrophic claim or not. That's IT.
Hope that helps. |
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