Can Car Insurance Companies Check Police Records?

Car insurance companies can access certain information from police records as part of their risk assessment process. These records contain valuable details about an individual’s driving history, including traffic violations, DUI/DWI convictions, license suspensions, and other relevant incidents.

This information helps determine insurance premiums, as it provides insurers with insights into an individual’s risk profile. However, the access and use of police records by insurance companies are subject to legal considerations and privacy concerns.

If you were injured in a crash and want to file an insurance claim, a Phoenix car accident lawyer will protect your rights. They can help ensure that the information accessed is accurate and relevant to your case, advocating for your best interests throughout the claims process. Call Zanes Law today to schedule a free initial consultation.

How do Car Insurance Companies Check Police Records?

Car insurance companies check police records through a systematic process that involves collaboration with law enforcement agencies. When an individual applies for or renews their car insurance, the insurer typically requests permission to access their driving record, which includes information from police records.

A personal injury lawyer will protect your rights and make sure that the details of the incident are accurately represented during the claims investigation. These legal professionals are experienced in dealing with adjusters, and they will make sure that they don’t take advantage of you.

For a free legal consultation, call 866-499-8989

Why do Claim Adjusters Check Police Records?

Claim adjusters check police records as part of their comprehensive investigation process to gather relevant information for an insurance claim. By reviewing these records, claim adjusters can verify the details provided by the claimant and assess the accuracy of the reported events.

This thorough examination helps insurers determine liability, assess the extent of damages, and make informed decisions about claim settlements. Additionally, information from police records assists in understanding the overall risk associated with the insured individual, influencing future premium rates.

When Will an Insurance Company Check Police Records?

Insurance companies typically check police records mainly during the underwriting and claims investigation stages. When an individual applies for a new insurance policy or renews an existing one, insurers may request permission to access their driving record, which includes information from police records.

This initial check helps determine the initial insurance premium by assessing the risk associated with the applicant’s driving history. Additionally, insurance companies may review police records when processing a claim. After an accident, claim adjusters may consult police records to verify the details provided by the claimant and assess liability.

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What Details from Police Records Can Insurers Check?

Insurers can access a range of information from police records to assess the risk profile of an individual. They review this data to evaluate an individual’s driving history and determine the likelihood of future accidents.

The comprehensive nature of police records allows insurers to make informed decisions about insurance premiums, ensuring that rates accurately reflect the risk associated with insuring a particular individual.

Police Reports

Police reports provide a detailed and objective account of incidents such as traffic violations. When a policyholder files a claim, insurance companies often refer to police reports to corroborate the facts surrounding the event, verify liability, and determine the extent of damages.

Witness Statements

Firsthand accounts of an incident offer valuable perspectives and additional information that can aid in determining liability and understanding the sequence of events. Insurers often reach out to witnesses to gather statements that can corroborate or challenge the details provided by the involved parties.

Traffic Violations

Traffic violations (such as speeding tickets or reckless driving citations) provide insight into an individual’s driving behavior and adherence to traffic laws. When applying for a new policy or renewing an existing one, insurers may review an applicant’s traffic violations to assess the level of risk associated with insuring them.

Additionally, in the event of a claim related to an accident or other incidents, insurance companies may consult these records to establish liability and assess the impact on the policyholder’s driving history.

DUI/DWI Convictions

Driving under the influence (DUI) or driving while intoxicated (DWI) convictions indicate a serious breach of traffic laws and pose significant risks on the road. When individuals with such convictions seek insurance coverage, insurers typically consider them high-risk policyholders due to the increased likelihood of accidents and claims.

License Suspensions

License suspensions can result from various infractions, including repeated traffic violations, reckless driving, or DUI/DWI convictions. Policyholders with a history of license suspensions are often considered higher risk, as it suggests a pattern of dangerous driving behavior that may lead to injuries. The increased likelihood of accidents prompts insurers to adjust premiums accordingly.

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Our Car Accident Lawyers Will Protect Your Rights

Zanes Law can serve as your advocate when insurance companies are accessing police records. We can assist in cases where there may be discrepancies or errors in the police records. Our car accident lawyers will address any misunderstandings that could impact your insurance premiums or claim outcome.

Our attorneys will help you make informed decisions by answering all your questions and concerns. Contact us today to discuss the details of your case with our legal team.

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