Orlando Harmon
If you need to check a vehicle's insurance history, there are several methods you can use. The National Motor Vehicle Title Information System (NMVTIS) is a useful tool for checking a vehicle's history, including insurance loss and salvage information. You can also use the National Insurance Crime Bureau's VINCheck service, which allows you to enter a Vehicle Identification Number (VIN) to check if a vehicle has been reported as stolen or salvaged. If you are looking for your own auto insurance history, you can contact your insurance company directly or your state's Department of Motor Vehicles.
| Characteristics | Values |
|---|---|
| How to check vehicle insurance history | Contact your insurance company or state's Department of Motor Vehicles (DMV) |
| Get a copy of your CLUE report | Contact LexisNexis at 866-312-8076 or request a copy online |
| Check vehicle history report | Visit the National Motor Vehicle Title Information System (NMVTIS) website, vehiclehistory.gov, or use a VINCheck Lookup |
| Additional vehicle history | ClearVin, CycleVIN, EpicVIN, VinAudit.com, vinsmart.com, BoatHistoryReport.com, BigRigVIN.com |
| Vehicle Identification Number (VIN) | A unique number for each car and truck built after 1980, used to check vehicle history |
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What You'll Learn
Contact your insurance company
If you need to check your vehicle insurance history, one of the most common ways is to contact your previous insurance company or companies. They can provide a printout of your auto insurance coverages and claims, often called a letter of experience. This will include the history of your auto insurance coverages and claims, or lack thereof. You may be able to access this information online, depending on your insurance company.
To access your vehicle insurance history online, visit your insurer's website and log in to your account using your registered phone number or email. You should then be able to access all the details of your car insurance policy in your account dashboard.
If you need proof of insurance for a specific time period, to show the court, for example, you would need to contact the insurance company that covered you at that time to request it. Proof of insurance does not provide a claims history, only coverage and dates.
If you are unsure which insurance company you have used in the past, you can try contacting your state's Department of Motor Vehicles (DMV). They may have information on your previous insurance policies and can provide a copy of your motor vehicle record (MVR). You can also request a copy of your CLUE report, which is a database of reports that come from insurance companies regarding insurance applications and claims. You are allowed one free insurance history check per year.
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Check the National Motor Vehicle Title Information System (NMVTIS)
The National Motor Vehicle Title Information System (NMVTIS) is a system designed to protect consumers from fraud, unsafe vehicles, and stolen vehicles being resold. It assists states and law enforcement in deterring and preventing title fraud and other crimes. Consumers can use NMVTIS to access important vehicle history information.
NMVTIS was created under the Anti-Car Theft Act of 1992 to prevent various types of automobile theft and fraud. It provides an electronic means for verifying and exchanging title, brand, theft, and other data among state motor vehicle titling agencies, law enforcement officials, consumers, and other authorized users of the system. The system allows titling agencies to instantly and reliably verify the information on a paper title against the electronic data from the state that issued the title. This helps to prevent the introduction or reintroduction of stolen motor vehicles into interstate commerce and protects states and consumers (individual and commercial) from fraud.
States are vital stakeholders in NMVTIS, providing vehicle data for the system that other states, law enforcement, and consumers rely on to make decisions around titling, investigating, and buying a vehicle. State motor vehicle agencies can choose from several options to satisfy the title verification and data reporting requirements of the Anti-Car Theft Act. These include an integrated solution, where NMVTIS title verification is integrated into the state's titling application, and a standalone solution, where states can report data in a batch upload manner that does not require integration with state title systems.
The US Department of Justice is responsible for the oversight of the implementation and operation of NMVTIS. In addition to the District, 49 states also participate in NMVTIS.
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Contact your state's Department of Motor Vehicles
If you're unsure about which insurance company you've used in the past, you can contact your state's Department of Motor Vehicles (DMV). They may have information on your previous insurance policies and can provide a copy of your motor vehicle record (MVR). This can help clear up any questions about tickets or accidents.
The DMV can also provide a copy of your CLUE report, which stands for Comprehensive Loss Underwriting Exchange. This report is maintained by LexisNexis and contains information on insurance applications and claims. You can request a copy of your CLUE report online or by contacting LexisNexis directly.
Additionally, the Motor Insurers' Bureau (MIB) operates a national claims database called the Claims and Underwriting Exchange (CUE). This database contains details of all motor, home, personal injury, and industrial injury claims, and insurers submit their claims information regularly. You can access this database to check your claim history and request corrections if you believe any information is incorrect.
Another resource is the Motor Insurance Database (MID), which all UK car insurance companies contribute to. You can instantly check if your vehicle is listed on the MID database with a valid insurance policy by entering your registration plate number. This database can be useful if you've lost your insurance certificate and are unsure of your insurer.
Furthermore, the Motor Insurers Anti-Fraud and Theft Register (MIAFTR) is a central database containing information on stolen or written-off vehicles. This database is used by authorities to detect fraud and protect buyers from purchasing previously written-off vehicles. You can request to see what data is held about a vehicle, especially if you've made a claim for a stolen or written-off car.
Remember that each state's DMV may have specific processes for obtaining insurance history information, so it's advisable to check their official website or contact them directly for detailed instructions.
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Check the National Insurance Crime Bureau's VINCheck
The National Insurance Crime Bureau (NICB) is a not-for-profit organisation dedicated to fighting insurance fraud and theft. The NICB has a proud legacy of fighting vehicle crimes impacting the insurance industry and offers a free lookup service called VINCheck to assist the public in checking a vehicle's insurance history.
To perform a lookup, you will need the vehicle's identification number (VIN). VINCheck will cross-reference the VIN against theft and salvage records from participating insurers. It is important to note that VINCheck does not query law enforcement records or insurance companies that do not participate in the program. As such, it is not a comprehensive vehicle history report and should be used in conjunction with other sources of information. For example, a vehicle could be stolen, seriously damaged, or have an encumbered title, but these incidents may not appear on a VINCheck report.
If you are looking for further historical information on a vehicle, there are additional sources of information beyond VINCheck. For example, you can visit the National Motor Vehicle Titling Information System (NMVTIS) website, which is designed to protect consumers from fraud, unsafe vehicles, and stolen vehicles. Alternatively, you can try contacting your state's Department of Motor Vehicles (DMV), which may have information on your previous insurance policies and can provide a copy of your motor vehicle record (MVR).
If you need proof of insurance for a specific time period, you will need to contact the insurance company that covered you to request it. You can also obtain your auto insurance history directly from your insurance company, and you have the right to a copy of your CLUE report, which contains your claims history.
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Request your CLUE report
A Comprehensive Loss Underwriting Exchange report, commonly called a CLUE report, details personal property and auto insurance claims dating back up to seven years. It contains details about any reported insurance claims made in the past, no matter how small, as well as who filed them.
There are two types of CLUE reports: one for home insurance claims and one for auto insurance claims. A CLUE report for car insurance provides information about claims filed for a given vehicle, including the name of the driver, the policyholder, the policy number, the date a claim was filed, the kind of claim (collision or liability, for example) and the amount paid. A home CLUE report contains the named insured and their date of birth, plus any claims made on the property and the amount that was paid.
Both reports usually indicate if the listed claims are open or resolved. Requesting a CLUE report before buying a home or car will help you understand the state of the asset before you complete the purchase. While the claims of prior owners should not affect your insurance premium, knowing what claims were previously filed on the home or automobile can help you, as a potential buyer, determine if there might be hidden damage that needs to be addressed before closing the purchase.
You can request a copy of your CLUE report by contacting LexisNexis directly at 866-312-8076, or you can request a copy online. You should get your CLUE report within about two weeks after submitting your request. Thanks to the Federal Fair and Accurate Credit Transactions Act (FACT Act), you can get one free CLUE report for your home or vehicle once a year from LexisNexis.
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Frequently asked questions
You can check your vehicle insurance history by visiting the Motor Insurers’ Bureau (MIB) website and completing a Subject Access Request form. You can also check the Motor Insurance Database (MID) by entering your registration plate number. If you're in the UK, you can also use the Vehicle Enquiry service at www.direct.gov.uk/checksorn.
You can check your vehicle's claim history by contacting your insurance company or the Claims and Underwriting Exchange (CUE). You can also try contacting your state's Department of Motor Vehicles (DMV), which can provide a copy of your motor vehicle record (MVR).
Your vehicle's claim history will include details such as the date of the claim, the type of claim, the amount paid out, and any injuries sustained. It's important to note that making a claim will likely affect your car insurance premium and may result in the loss of your No Claims Discount (NCD).
