How do you check what on your insurance report?

Answer 1

Basically, You don't. There really is no such thing as an insurance report, or at least not in the style of what one would consider a consumer credit report.

When you apply for insurance, that company, using it's own unique underwriting criteria, will check it's own databases and the databases of other insurers with which it is networked for past activity, generally it's just a list of insurance underwriters and dates and policy numbers, no score and no dile name or number. If you've had claims or been involved in an accident those will generally be noted along with insured or claimant status and any payouts.

Some insurance policy underwriting guidelines require checking your history for 3 years, others may use 5 years and some may check for everything, so every company you might apply with can see something different from the last. It's not a report, It's just an amalgamation of insurance related data that is available to that company at the particular moment.

Some companies may also utilize your consumer credit score as a determining factor for underwriting and rating. All companies in the United States are required by state laws to maintain records of insureds, policies, claims, profits and pay outs, etc... for a specified length of time. Insurance companies share this information with each other by various means.

Most states require insurers to share certain data with each other. By doing so, your states Insurance Department (or it's equivelent) helps insure better value to the consumer and helps avoid or prevent fraud which costs everyone. Insurers can better underwrite risks and apply accurate premium rates saving you money.

No one wants to overpay for their insurance.