What Occurs to My Auto Insurance coverage After a Hit & Run?

By carlos vargas
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November 21, 2025

Should you’ve lately opened your mail and located a discover from LexisNexis, you may be asking: What is that this, and why did I get it? Don’t be concerned — you are not the one one. Many are shocked by the quantity of data LexisNexis collects and the way it can influence their insurance coverage charges and monetary life. What’s LexisNexis? LexisNexis capabilities as a nationwide client reporting company, akin to credit score bureaus like Experian, TransUnion, and Equifax. Nevertheless, as an alternative of solely specializing in credit score info, LexisNexis compiles a broader array of private and public information, corresponding to: Insurance coverage claims historical past (CLUE reviews) Driving information and violations Property possession and mortgage particulars Court docket filings, liens, and public information Identification and make contact with info Insurance coverage firms, lenders, and a few employers use LexisNexis to judge your danger profile. Subsequently, the accuracy of this report can considerably have an effect on your insurance coverage premiums, protection eligibility, and mortgage approvals. ? Why Did I Obtain a Discover from LexisNexis? Sometimes, you’ll obtain a discover from LexisNexis when an insurance coverage firm, financial institution, or different enterprise has accessed your LexisNexis info to decide about you. For example, when making use of for auto or householders insurance coverage, the corporate could have reviewed your LexisNexis report back to examine your claims historical past. Legally, if this info influenced your pricing or eligibility, you have to be notified. Receiving such a discover would not essentially imply there’s a difficulty; it merely signifies that LexisNexis information was used throughout the decision-making course of. Why Accuracy Issues Insurers depend on LexisNexis reviews to find out your charges, so even minor inaccuracies can value you cash. An incorrect declare, a misreported accident, or outdated private info may lead to increased premiums. That is why it is essential to know what’s in your file and proper any inaccuracies. Examine Your LexisNexis Report Beneath the Truthful Credit score Reporting Act (FCRA), you could have the best to request a free copy of your LexisNexis Shopper Disclosure Report as soon as each 12 months. Right here’s how: Request on-line: Go to LexisNexis Shopper Heart Name by cellphone: Converse with a consultant at LexisNexis Threat Options Shopper Heart at 1-888-497-0011 Evaluate rigorously: Look at your claims historical past, driving file, and private info for accuracy. Dispute errors: Should you spot any errors, file a dispute with LexisNexis for investigation and correction. Subsequent Step Earlier than acquiring quotes from a number of insurance coverage firms, make sure the accuracy of your LexisNexis file. Contact LexisNexis at this time to assessment your report. You probably have questions, attain out to us. We’ll information you thru the method and assist make sure that your insurance coverage premium displays your true danger profile, not a reporting error. ? Request your report right here ? Remaining Takeaway Checking your LexisNexis file may prevent frustration, time, and cash. Guarantee your file is right earlier than searching for insurance coverage to safe the fairest price potential.