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Auto Insurance Claims/Insurance company arrest record access

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Expert: Bennie719 - 12/8/2007


Question
I just read that some insurance companies will raise your rates for just being arrested for a DUI or Hit and Run even if there's no conviction. That doesn't sound right, but if it is so, how do they get this information?  Thank you for your time and expertise.

Answer
Hi Lois,
Every insurance company secures your driving record from the department of motor vehicles when the first write your policy and then again every year about 90 days before your renewal date.
This record only shows involvement in accidents and actual convictions for traffic violations.
They have absolutely no way of securing arrest records, and even if they did, no company would ever increase your rate unless there was an actual conviction.
Whatever you read is just a bad rumor with no fact.
I hope this sets your mind at ease.
Your feedback by rating my answer will be appreciated.
Sincerely,
Bennie
San Francisco Bay Area 12-07-07 11:55 PM PST

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Bennie719

Expertise

I have extensive knowledge in Personal Auto, Homeowners Insurance and Personal Umbrella coverage. I am also thoroughly familiar with claims handeling procedures. Will answer questions related to the above.

Experience

Experience in the area: Served as an expert at askme.com from 7/2000 thru 10/2002 in the catagories of general insurance, auto and home insurance. Answered 422 questions before that site closed. Licensed in California since 1961, first in Life and Health for 2 + years and as a Property/Casualty Agent/Broker since 1964. I sold my business and took early retirement in 1998. Still maintain a valid California Property/Casualty Agent/Broker license. I have been a volunteer at allexperts.com since 2002. I can provide assistance in the following fields: Property and Casualty Insurance, Insurance Law, Auto Insurance Claims.

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