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 Posted: Fri Jun 19, 2009 12:20 pm Post subject: |
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Hi Sunshineva..
| Quote: | | They contacted both insurers, who then had to correct the missreported information. |
Did it by any chance affect your husband's credit score?
Or is it that the updated CLUE report removed such risks?
Steven |
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steven
Senior member
Joined: 02 Feb 2006
Posts: 1553
215.65 Dollars($)
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| Posted: Fri Jun 19, 2009 1:15 pm Post subject: Corrections to CLUE reports |
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@Kelvin - If I remember correctly, I was told it would be investigated within 30 days and it was. I would review my report yearly, just as I would scrutinize my renewal declarations pages yearly for any changes, errors, etc....
As for frequent errors, you be the judge. Here were my claims on the CLUE and number of errors.
2 comp. windshields, 1 not fault accident (rear ended), 2 at-fault accidents --  ) one for each of my kids, 1 burst water heater with water damage. So out of 6 claims, 2 were wrong -- 33%!!!!
I think that's totally unacceptable but the only only looking out for you as an insured is you so be your own advocate.
@ Steven - I began the process online and then completed the process in writing (it's been about 3 years now so might be able to do the entire process online and electronically receive corrected copy). I was able to check the status of my investigation online throughout. Once completed, I received a printed copy of the corrected report. |
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sunshineva
New member
Joined: 16 Jun 2009
Posts: 41
15.87 Dollars($)
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| Posted: Fri Jun 19, 2009 8:16 pm Post subject: CLUE mistakes |
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Hi Steven,
Just an apology both times. An apology doesn't cut it -- errors like that should not occur. On the error with the auto accident, that was the second mishap on the same claim. The vehicle was a Ford and I had two Fords on the policy. The insurer initially attached the claim to the wrong Ford. I caught it and they had to cancel the claim and refile with different number. The error claim did not show up in the CLUE report (go figure). |
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sunshineva
New member
Joined: 16 Jun 2009
Posts: 41
15.87 Dollars($)
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| Posted: Fri Jun 19, 2009 8:27 pm Post subject: CLUE effect on credit score |
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Hi Steven
What an excellent question. Truthfully, I did not notice any change in the credit report. In fact, during the auto. claim correction fiasco we voluntarily let insurer review credit and recd. lower auto ins. premium upon results of review. We monitor our credit regularly because we often relocate for employment reasons. As you know, credit needs to be tip top for last minute moves (no time for corrections and improvements). |
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sunshineva
New member
Joined: 16 Jun 2009
Posts: 41
15.87 Dollars($)
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| Posted: Sat Jun 20, 2009 3:59 am Post subject: |
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Hi Sunshine,
Did all these errors affected your rates?
I'm interested in knowing what was the aftereffects of the correction. Have you experienced rate cut in your premiums after the corrections were made or it remain the same as before? |
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kelvin
Senior member
Joined: 22 Nov 2005
Posts: 207
37.90 Dollars($)
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| Posted: Sat Jun 20, 2009 5:04 am Post subject: |
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Hi Sunshineva,
| Quote: | | Truthfully, I did not notice any change in the credit report. |
Thanks for all 4 replies that you gave me..
I'm sure such information would help all our community friends as they did to me.
Steven |
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steven
Senior member
Joined: 02 Feb 2006
Posts: 1553
215.65 Dollars($)
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| Posted: Mon Jun 22, 2009 1:51 pm Post subject: Claims affecting premium |
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Lori asked: Does that mean that an unpaid claim too would continue affecting all my future premiums?
Effects premium for 5 years in my state of MO. I finally got a "no claims discount" from insurer on my primary residence homeowners policy 5 years after a hot water heater claim on a landlord policy for a non-owner occupied home. |
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sunshineva
New member
Joined: 16 Jun 2009
Posts: 41
15.87 Dollars($)
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| Posted: Mon Jun 22, 2009 8:45 pm Post subject: CLUE Reports |
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Hi Steven and Forum Members,
You're welcome, and I also appreciate the information on the forums. In closing, I thought it ironic that Sunday's business section in newspaper listed new consumer info. resources for insurance companies (auto, home, life, etc.) in MO and IL. I've posted them to the forum but list them again below. These are not exhaustive, but good tools to use when considering your selection of surers.
http://www.insurance.mo.gov/ 1-800-726-7390 (MO)
http://www.idfpr.com/DOI/Complaints/ConsumerComplaints2007.pdf 1-866-445-5364 (Works in IL only) |
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sunshineva
New member
Joined: 16 Jun 2009
Posts: 41
15.87 Dollars($)
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| Posted: Mon Jun 22, 2009 10:50 pm Post subject: |
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Just an FYI...
Every state has their own Dept of Ins. and governing bodys..and all have websites...in fact I think we too have a listing on this site, at any rate...if you google, (pick a) "state department of insurance"..you'll get there..
_________________
"Never, never be afraid to do what's right, especially if the well being of a person or animal is at stake. Society's punishments are small compared to the wounds we inflict on our soul when we look the other way." Martin Luther King Jr. |
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Lori
Moderator
Joined: 10 Sep 2007
Posts: 8173
Location: Missouri
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