I've had countless back and forth emails with my auto insurance agent regarding my rates that keep going up at an alarming rate with no explanation. She finally let slip that one of the people on my policy had two tickets for no insurance last year and the year before. Her Minnesota driving record with the state shows no such tickets and I know for an absolute fact she never left the state.
Here's the deal... It does not matter if you use Progressive, State Farm, Allstate, The General, etc. They ALL source their MVR's and CLUE reports from a company called LexisNexis. To fix the problem, according to LexisNexis, I need to ask my agent for the reference number provided by the LexisNexis report to my agent so I can provide it back to them to investigate the error (the bureaucratic hurdles begin). They would then have 30 days to investigate and another 5 to take action. Problem is, my agent, who knows how this works, merely sent me a link to LexisNexis's main page for companies to enroll in their services. It REQUIRES a company and industry and has no place for reference number. My agent intentionally misdirected me. This is where I am now with my battle.
My point here is that my grandpa had this same thing happen to him (a banker with no tickets, ever) and I have heard similar stories of unexplainable high rates from many other people. What I recommend to everyone here is to pull your LexisNexis reports to see if they correspond with your actual state driving record. The information LexisNexis reports to the insurance companies is either not being verified with actual state driving records or someone has been using my honey's identity in another state. With their unwillingness to help in a professional manner, I am leaning towards widespread fraud as opposed to a simple mistake or identity fraud. If your rates are unreasonably high, I recommend you get a copy of this elusive LexisNexis report and take a look for yourself. I'd bet they are in bed with the insurance companies screwing the uninformed.
Here's the deal... It does not matter if you use Progressive, State Farm, Allstate, The General, etc. They ALL source their MVR's and CLUE reports from a company called LexisNexis. To fix the problem, according to LexisNexis, I need to ask my agent for the reference number provided by the LexisNexis report to my agent so I can provide it back to them to investigate the error (the bureaucratic hurdles begin). They would then have 30 days to investigate and another 5 to take action. Problem is, my agent, who knows how this works, merely sent me a link to LexisNexis's main page for companies to enroll in their services. It REQUIRES a company and industry and has no place for reference number. My agent intentionally misdirected me. This is where I am now with my battle.
My point here is that my grandpa had this same thing happen to him (a banker with no tickets, ever) and I have heard similar stories of unexplainable high rates from many other people. What I recommend to everyone here is to pull your LexisNexis reports to see if they correspond with your actual state driving record. The information LexisNexis reports to the insurance companies is either not being verified with actual state driving records or someone has been using my honey's identity in another state. With their unwillingness to help in a professional manner, I am leaning towards widespread fraud as opposed to a simple mistake or identity fraud. If your rates are unreasonably high, I recommend you get a copy of this elusive LexisNexis report and take a look for yourself. I'd bet they are in bed with the insurance companies screwing the uninformed.
