Finding out previous owners records for car insurance
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by: Jerry
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Word Count: 525
When you are going for car insurance you may think that the insurance company will insist on the history of the car and its owner. If you are having a second hand car it may become necessary to find out the history of the previous owner of the car to ensure cheap car insurance. The Federal and State Privacy laws protect the insurance records of any client. Ordinarily there is no legitimate reason for a current owner to ask for the insurance records of the previous owner of the car.
Misconception relating to previous owner’s record –
Coverage under car insurance or auto insurance that were granted to the previous owner will not extend to the current owner. This is because the new owner did not have any financial interest in the property to be insured. Similarly the insurance company that insured the previous owner had obligations only to that previous owner and not to you as the new owner since there is no contract between you and the company.
Therefore, the previous owner’s insurance record has no relevance for you or the company who is going to give you the auto insurance deal. In United States the insurance is related to person and not the car. This means it is the driver who is insured and not your car. Thus after buying a second hand car when you go for the insurance, its value will be assessed on the basis of the current condition of the car and the prevalent market rates and your insurance plan will be accordingly formulated.
About insurance records –
There are several dealers in the market who maintain a record of the cars, their owners and the history on the insurance deals. However it is possible for you to build up your own car insurance or auto insurance records. As a first step you can order for the copies of the old cheque you have used to pay the insurance premiums. If you have used credit card for the same, you can have the credit card transaction details from the provider for the purpose.
Another way is to contact your State Department for insurances and find out all about the state laws relating to disclosure on your car insurance records. You have to get your auto insurance records either from the agent or from the carrier and if the carrier does not respond the agent is the best person to provide you the records. On the other hand if the agent does not respond it will be the carrier. If both do not respond you will have no other alternative but to go for litigation to obtain records and file complaints with the State Department of insurance for action.
Private providers –
As already pointed out there are some genuine and hard working private organizations that maintain a record on cars and other vehicles and keep a track of the car insurance and auto insurance records. They also keep track of the accidents faced by the vehicle and this will work as a comprehensive car insurance record for your purpose.
About the Author
This website contains a very comprehensive data base on the cars that were sold during the last ten years and keeps all the records relating to car insurance, auto insurance and issues connected with them. The best part of it is that you find state wise information like Illinois car insurance, Indiana car insurance, Texas car insurance, Florida car insurance and so on.
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