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Notice of Ordering Consumer Reports

In order to determine your premium and evaluate your eligibility for insurance products,’s carriers obtains reports provided by independent consumer reporting agencies, relating to driving record (for automobile insurance), losses and credit.  In some states,’s carriers uses credit information to determine eligibility for installment payment plan options.  These reports are used to verify and supplement information that you may provide to us.  If you wish, we will provide you with the name and address of the consumer reporting agency from whom we order the report(s) so you can obtain a copy, if desired.

Examples of the type of consumer reports we may order include the following:

Motor Vehicle / Driving Record Reports

A Motor Vehicle Report (MVR) is obtained from your state Motor Vehicle Department or from an independent consumer reporting agency that relies on such records.  This report reflects the driving record information they have on file for you or other operators under your policy, including accidents and motor vehicle violations.

Insurance Claim Reports

Insurance claim reports, such as C.L.U.E. (Comprehensive Loss Underwriting Exchange) and others, are provided by independent consumer reporting agencies that collect claims information from many insurance companies.

Insurance Scores

Insurance Scores are calculated for us using an analytical scoring model that objectively measures the relative likelihood of future insurance losses based on credit history files maintained by independent consumer reporting agencies.

The above consumer reports may be ordered in connection with the issuance, update, renewal or reinstatement of your policy and when seeking comparison quotes from the companies we represent.

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