When the paper-work asks for "INSURANCE"----->VISA/MC/AMEX/DISCOVERCARD... You can always bill the insurance yourself...
Breeze is correct, PLUS most insurance information is "pooled" with search engines programmed to notify the data base if someone becomes seriously ill, or is arrested. That is why many "cheap" life and health insurance policies can and do cancel you within the 1st 2 years.And why your homeowners and auto insurance rates can be higher even if you don't report an accident or dui to your insurance co.Lose your drivers license and your car (and boat) insurance gets cancelled.
Yep! Y'all are making a big issue out of something that is legit, necessary, and legal, when it comes to the reporting of insurance risk information. Insurance fraud costs all of us billions of dollars anyway. All these organizations fall under FCRA, and you can find out if they have information about you and take steps to correct it if necessary. In 18 years of selling insurance, I have only come across one incorrect file - it was because of faulty equipment used for an EKG. If you skydive, fly, race, etc, you have to tell the insurance company and let them underwrite that aspect of the risk. It's only fair - to the insurance company and to the other policyholders. If you are in a risky profession - like law enforcement, firefighter, cropduster, etc, they have statistics and know how to rate for it, and that is just something you have to live with. Your premiums are higher because your risk is higher. There are companies that specialize in certain types of risk, and these companies will give you better rates than companies that don't - that's why if you have a special consideration you are often better off using an independent agent, or a consultant who knows which companies do what. As far as fooling the insurance companies - better not to try. If you feel you have to, go ahead, but be forewarned - it doesn't work for long. If you think cops are hardnosed...insurance investigators are well-paid cops.
