Our insurance mistakenly lapsed, so we had to find a new policy, and while looking around we were getting denied because apparently LEXIS-NEXIS says that our household was in 15 incidents the past five years! That is absurd!
They’re claiming my 75 year old mother was in 1 AF, my 75 father in 4 incidents (3AF), me 1 NAF (true), and my sister in SEVEN!
My parents have never been in an accident In their life, and while my sister has had some claims recently (mice chewing wires, car side swiping her parked car) no way has she had 7, or as many AF’s that they’re claiming.
How do I dispute this? On their website when it says order your request there’s only an option to put in one name, so how can I make sure to get the whole household report like the insurance companies pulled up when we applied??
Lexis Nexis is wrongly reporting 15 incidents in the last 5 years!!
byu/Spiritual_Log_904 inInsurance
Posted by Spiritual_Log_904
6 Comments
Any claim in which an insurance company paid out for a loss as well as any potential claim reported to the insurance company will be listed on this report. To a new company looking into insuring you these items may appear as “at fault “ simply because the company paid out for a loss.
I would suggest you contact each company you have been insured with and ask for a letter of experience (LOE). This will be a snapshot overview of your time with that company and will list all claims activities and if they deemed you at-fault or not or if it was a comprehensive claim. This will be helpful to you and your new agent as they can better classify your claim history when you are looking for a new insurance policy.
Login with each individual and dispute each persons activity. I’d be surprised if they were wrong unless someone has stolen your identities. Lexisnexis is pretty reliable.
OP read this
https://www.consumerfinance.gov/consumer-tools/credit-reports-and-scores/consumer-reporting-companies/companies-list/comprehensive-loss-underwriting-exchange/
There are links to order your free CLUE report and a link describing how to dispute the information.
Good luck
Ten bucks says these are towing claims/glass claims in some form for sister.
How did your insurance mistakenly lapse?
My niece had this happen when she went to get insurance. The place she talked to said she had multiple accidents on her record, she had zero.