Solutions at Quote How to Read the Report - Agent December 2012

Transcription

1 Solutions at Quote How to Read the Report - Agent December 2012

2 Table of Contents ALL NAMES IN THE TEXT OR ON THE SAMPLE REPORTS SHOWN IN THIS DOCUMENT ARE OF FICTITIOUS PERSONS AND ENTITIES. ANY SIMILARITY TO THE NAME OF ANY REAL PERSON, ADDRESS, SCHOOL, BUSINESS, OR OTHER ENTITY IS PURELY COINCIDENTAL. Introduction Report Header Section Recap Section Messages Section Possible Additional Drivers Section Additional Information Section VIN Services Section Appendix A: Full Sample Report Appendix B: State Specific Information State Group One: State Group Two: State Group Three: LexisNexis and the Knowledge Burst logo are registered trademarks of Reed Elsevier Properties Inc., Used under license. Other products and services may be trademarks or registered trademarks of their respective companies. Copyright 2012 LexisNexis Risk Solutions. All rights reserved. Copyright 2012 LexisNexis. All rights reserved. 2

3 Introduction Solutions at Quote (SAQ) lists possible drivers residing at the same address as the insured, as well as vehicles owned by persons residing at the insured's address. SAQ report contains information from Additional Driver Discovery (A.D.D.SM) report V.I.N. Services report Current Carrier report (optional) Note: You must specifically request Current Carrier, a listing of current and past (within the last five years) policies, to include it in your Solutions At Quote report. The samples below include information from Current Carrier report. Report Header Section This section identifies the report sent to you, including the report date and time. It shows the name of the requesting (sponsoring) company. C.L.U.E. - COMPREHENSIVE LOSS UNDERWRITING EXCHANGE AUTO REPORT INQUIRY PAGE: 1 [1] QUOTEBACK: TEST ONE ACCOUNT: SPECIAL BILLING ID: DATE OF ORDER: 11/17/2010 DATE OF RECEIPT: 11/17/2010 REQUESTOR: [2] C.L.U.E. REF. #: [1] Quoteback: This is the identification that matches your order to this report. [2] CLUE Ref #: This is the number to identify this report within the SAQ Services system. Use this number when calling for support and when notifying consumers. Copyright 2012 LexisNexis. All rights reserved. 3

4 Recap Section Recap information summarizes the search results. It always indicates of additional driver(s) is found in the report. Messages Section Messages section contains more details on the search results, including Current Carrier information if it is included in your order -- RECAP: SUBJECT 1 - CLAIMS SEARCH NOT REQUESTED. ADD - POSSIBLE ADDITIONAL DRIVER(S) REPORTED. This section may also show the status of the request being processed and indicate if warnings are included in the report. If an error message beginning with APP ERROR:" or "COMM ERROR:" appears in the Recap section, it indicates that a communications problem occurred before your order could be processed by the SAQ Services application. In such cases, you will not receive results. You should try sending your order again at a later time. If you receive any other error messages, please contact support at or via MESSAGES [3] CP RULES UNIVERSAL ORDER NUMBER: ADDITIONAL DRIVER(S) DISCOVERED WITH SURNAME MATCH. CURRENT CARRIER AUTO REFERENCE NUMBER: CURRENT CARRIER SEARCH - RECORD(S) FOUND SUBJ 1 - RECORD(S) FOUND CURRENT: Y 0030 PRIOR#: 0 POSSIBLE LAPSE: N/N PRIOR POLICY ALERT: N [3] CP Rules Universal Order Number: This is a reference number that is similar to the CLUE Reference Number. You will see this number if your SAQ order is placed through the Rules product. If not this number will not appear Copyright 2012 LexisNexis. All rights reserved. 4

5 Possible Additional Drivers Section This section contains information on the additional driver(s) found. Additional Information Section This section contains the Current Carrier report details POSSIBLE ADDITIONAL DRIVERS ADDITIONAL DRIVER MAY NOT RESIDE IN THIS HOUSEHOLD OR BE ASSOCIATED WITH INSURED. THIS INFORMATION SHOULD BE INDEPENDENTLY VERIFIED PRIOR TO USE. THIS REPORT IS NOT A RECOMMENDATION [4] NAME DOB [5] DRIV. LICENSE # [6] SSN [7] TYPE SEX EXP DATE ISS DATE RESTRICT DOE, DONNIE 03/01/1991 M DOE, PAMELA RUTH 02/20/ C-SINGL VE F 12/20/ /16/2005 CORRECTIVE LENS DOE, JANET 03/17/ F [4] Name is always provided. DOB (date of birth) and driver's Sex (M or F) are provided when available. [5] Driv. License #, Exp Date, and Iss Date are provided where available. [6] SSN is provided where available. Note: The last four digits of a subject's Social Security Number in this section will be returned as zeros (0's). [7] Type and Restrict information varies by state. Refer to U.S. Identification Manual or the state's Driver's Manual for definitions ADDITIONAL INFORMATION === CURRENT CARRIER === [7] THIS CURRENT CARRIER REPORT IS THE RESULT OF SEARCHING FOR POLICY HISTORY ON THE INDIVIDUALS IN THE HOUSEHOLD. THE INFORMATION SHOULD BE INDEPENDENTLY VERIFIED PRIOR TO USE. SUBSCRIBER SHOULD INDEPENDENTLY DETERMINE WHAT ACTION, IF ANY, TO TAKE. WHEN THE > SYMBOL APPEARS PRECEDING THE POLICY NUMBER, THE CORRESPONDING POLICY INFORMATION WAS PROVIDED TO LEXISNEXIS BY THE POLICYHOLDER. CURRENT CARRIER IS A TRADEMARK OF LEXISNEXIS. CARRIER: COMPANY99017 [8] AMB: [9] POL: PA [10] TYPE: AU NAIC: RISK: STANDARD [11] INCEPTION: >36 MONTHS [12] STATUS: IN-EFFECT POL STATE: GA LAST CANCEL REASON: [13] POLICYHOLDER [14] SUBJECT [16] FROM TO DOE, DAVID [15] (PRIMARY) 1 06/04/ /04/2011 START DATE: 06/04/2006 OCCURRENCES: 0 LAST CANC DATE: 00/00/0000 DOE, JENNIFER (LISTED) 2 06/04/ /04/2011 DOE, LINDA (LISTED) 3 06/04/ /04/2011 [17] INSURED VEHICLE [18] TYPE [19] BUS [20] COVERAGE [21] BI & PI LIMIT 1N6ED29X02C NISSAN P BI PD CP /300000/ [22] DED CP:01000 [23] UM: 25000/50000 UN: 25000/ S6DM58W HONDA P BI PD CP RR / / DED CO:00000 CP:02500 UM: / UN: / G1AP87H6EL CHEVROLET P BI PD CP 50000/100000/ DED CO:00000 CP:02500 UM: / UN: / [7] This is the Disclaimer which explains how and where Current Carrier information was obtained and how to tell whether a policyholder or an insurance company reported the information. [8] AMB stands for the company s AM Best Identification Number. [9] POL stands for Policy Number for the subject. A greater than (>) symbol in front of the Policy Number will only be reported if the policy information was contributed by the consumer, not the insurance company. [10] Type identifies the type of policy held by the subject. Policy types include any of the following: AU= Auto BO= Boat Owners CO= Condominium FL= Flood FR= Fire HL= Hail HO= Homeowners IM= Inland Marine Copyright 2012 LexisNexis. All rights reserved. 5

6 MH= Mobile Home MO= Motorcycle QK= Quake RF= Ranch/Farm TN= Tenant UM= Umbrella WC= Watercraft XO= Other [11] Inception is calculated based on the original Inception Date and the inquiry date or with the most current policy period. If the policy is IN-EFFECT, the inquiry date is used. If the policy is CANCELLED or EXPIRED, the expiration date for the subject with the most current policy period is used. If the timeframe falls equal to a six-month term, we will output greater than that six-month term and less than the next six-month term. [12] Status indicates whether the policy is one of the following: - EXPIRED: Policy is no longer active. - CANCELLED: The policy was terminated by either the insurance company or the insured. - IN-EFFECT: Policy is active. - DISPUTED: Consumer has disputed specific items or the entire policy. [13] Policyholder indicates the name of each subject. [14] Subject uses number that corresponds with the order the subject was previously provided in on the inquiry. An OS indicates the subject is included on the policy, but not on the inquiry search. [15] Primary indicates the relationship type for each subject. The relationship types are: [20] Coverage field shows the types of coverage that the subject has on the insured vehicle. Coverage types may be any of the following: BI = Bodily Injury CO = Collision CP = Comprehensive CS = Combined Single BI/ PD ME = Medical Expense MP = Medical Payment NB = Uninsured Motorist/BI NP = Uninsured Motorist/ PD = Property Damage PD PI = Personal Injury RR = Rental Reimbursement TL = Towing & Labor Protection UB = Underinsured Motorist/BI UP = Underinsured Motorist/PD UM = Uninsured Motorist OT = Other UN = Underinsured Motorist [21] BI & PI field indicates the limit for Bodily Injury and Personal Injury. [22] DED CP stands for Deductible for Comprehensive and Collision Deductible associated with the vehicle. [23] UM UN indicates the limit of coverage for Uninsured Motorists and Underinsured Motorists. - PRIMARY: Primary policyholder. - LISTED: Secondary and other policyholders such as employees of the insured. - EXCLUDED: Reported by the insurance company as an excluded driver. [16] From and To indicates the policy effective dates for each one on the policy. [17] Insured Vehicle reports vehicles most recently covered on the policy, including the VIN., year and make. [18] Type here stands for types of vehicles. P is Passenger Car; T is Truck. [19] BUS indicates if the vehicle is being driven for business purposes. - Y: Used for business purposes. - A blank space: Not used for business purposes. Copyright 2012 LexisNexis. All rights reserved. 6

7 VIN Services Section VIN Services report lists information about other vehicles registered at the owner's address. The information includes year, make, VIN, and name of registered owner. Note: State regulations and agreements dictate what information is provided in the VIN Services report. Please reference Appendix B: State Specific Information on page 9 for details. VIN SERVICES PAGE: 1 QUOTEBACK: TEST ONE ACCOUNT: SPECIAL BILLING ID: DATE OF ORDER: 11/17/2010 DATE OF REPORT: 11/17/2010 [24] REFERENCE #: RECAP: 4 VEHICLE(S) DEVELOPED DPPA: VIN SERVICES REPORT FOR USE IN INSURANCE RATING OR UNDERWRITING SEARCH DATA NAME: BUSH, DONNIE ADDRESS: 315 WARREN ST SE ATLANTA, GA DEVELOPED DATA YEAR MAKE [25]VIN REGISTERED OWNER 2007 TOYOTA XXXXX DOE, PAMELA 2002 FORD 0XXXX00X00XX00000 DOE, JANET 2000 CHEVROLET 0XXXX00X0XX DOE, PAMELA 1995 CHEVROLET 0XXXX00X0XX BUSH, DONNIE [24] Reference #: This is the number to identify this report within the VIN Services system. Use this number when calling for support and when notifying consumers. [25] VIN is the Vehicle Identification Number. 0 stands for numbers and X stands for letters. Additionally it is possible for a result VIN to be invalid if that is how it is provided by state registration/title sources. The result VIN is underlined when it differs from the VIN on the order. Copyright 2012 LexisNexis. All rights reserved. 7

8 Appendix A: Full Sample Report C.L.U.E. - COMPREHENSIVE LOSS UNDERWRITING EXCHANGE AUTO REPORT INQUIRY PAGE: 1 QUOTEBACK: TEST ONE ACCOUNT: SPECIAL BILLING ID: DATE OF ORDER: 11/17/2010 DATE OF RECEIPT: 11/17/2010 REQUESTOR: C.L.U.E. REF. #: RECAP: SUBJECT 1 - CLAIMS SEARCH NOT REQUESTED. ADD - POSSIBLE ADDITIONAL DRIVER(S) REPORTED MESSAGES CP RULES UNIVERSAL ORDER NUMBER: ADDITIONAL DRIVER(S) DISCOVERED WITH SURNAME MATCH. CURRENT CARRIER AUTO REFERENCE NUMBER: CURRENT CARRIER SEARCH - RECORD(S) FOUND SUBJ 1 - RECORD(S) FOUND CURRENT: Y 0030 PRIOR#: 0 POSSIBLE LAPSE: N/N PRIOR POLICY ALERT: N POSSIBLE ADDITIONAL DRIVERS ADDITIONAL DRIVER MAY NOT RESIDE IN THIS HOUSEHOLD OR BE ASSOCIATED WITH INSURED. THIS INFORMATION SHOULD BE INDEPENDENTLY VERIFIED PRIOR TO USE. THIS REPORT IS NOT A RECOMMENDATION NAME DOB DRIV. LICENSE # SSN TYPE SEX EXP DATE ISS DATE RESTRICT DOE, DONNIE 03/01/1991 M DOE, PAMELA RUTH 02/20/ C-SINGL VE F 12/20/ /16/2005 CORRECTIVE LENS DOE, JANET 03/17/ F ADDITIONAL INFORMATION === CURRENT CARRIER === THIS CURRENT CARRIER REPORT IS THE RESULT OF SEARCHING FOR POLICY HISTORY ON THE INDIVIDUALS IN THE HOUSEHOLD. THE INFORMATION SHOULD BE INDEPENDENTLY VERIFIED PRIOR TO USE. SUBSCRIBER SHOULD INDEPENDENTLY DETERMINE WHAT ACTION, IF ANY, TO TAKE. WHEN THE > SYMBOL APPEARS PRECEDING THE POLICY NUMBER, THE CORRESPONDING POLICY INFORMATION WAS PROVIDED TO LEXISNEXIS BY THE POLICYHOLDER. CURRENT CARRIER IS A TRADEMARK OF LEXISNEXIS. CARRIER: COMPANY99017 AMB: POL: PA TYPE: AU NAIC: RISK: STANDARD INCEPTION: >36 MONTHS STATUS: IN-EFFECT POL STATE: GA LAST CANCEL REASON: POLICYHOLDER SUBJECT FROM TO DOE, DAVID (PRIMARY) 1 06/04/ /04/2011 START DATE: 06/04/2006 OCCURRENCES: 0 LAST CANC DATE: 00/00/0000 DOE, JENNIFER (LISTED) 2 06/04/ /04/2011 DOE, LINDA (LISTED) 3 06/04/ /04/2011 INSURED VEHICLE TYPE BUS COVERAGE BI & PI LIMIT 1N6ED29X02C NISSAN P BI PD CP /300000/ DED CP:01000 UM: 25000/50000 UN: 25000/ S6DM58W HONDA P BI PD CP RR / / DED CO:00000 CP:02500 UM: / UN: / G1AP87H6EL CHEVROLET P BI PD CP 50000/100000/ DED CO:00000 CP:02500 UM: / UN: / PREPARED BY: COMPREHENSIVE LOSS UNDERWRITING EXCHANGE C.L.U.E. INC., A LEXISNEXIS COMPANY IF YOU HAVE QUESTIONS, CONTACT: REFER CONSUMERS TO: LEXISNEXIS TECHNICAL SUPPORT LEXISNEXIS CONSUMER CENTER P. O. BOX P. O. BOX ATLANTA, GEORGIA ATLANTA, GEORGIA TELEPHONE: TELEPHONE: C. L. U. E. IS A REGISTERED TRADEMARK OF LEXISNEXIS RISK SOLUTIONS INC. VIN SERVICES PAGE: 1 QUOTEBACK: TEST ONE ACCOUNT: SPECIAL BILLING ID: DATE OF ORDER: 11/17/2010 DATE OF REPORT: 11/17/2010 REFERENCE #: RECAP: 4 VEHICLE(S) DEVELOPED DPPA: VIN SERVICES REPORT FOR USE IN INSURANCE RATING OR UNDERWRITING SEARCH DATA NAME: BUSH, DONNIE ADDRESS: 315 WARREN ST SE ATLANTA, GA DEVELOPED DATA YEAR MAKE VIN REGISTERED OWNER 2007 TOYOTA XXXXX DOE, PAMELA 2002 FORD 0XXXX00X00XX00000 DOE, JANET 2000 CHEVROLET 0XXXX00X0XX DOE, PAMELA 1995 CHEVROLET 0XXXX00X0XX BUSH, DONNIE PREPARED BY: VIN SERVICES LEXISNEXIS RISK SOLUTIONS PERSONS OR VEHICLES DEVELOPED IN THIS REPORT MAY NOT BELONG IN THIS HOUSEHOLD OR BE ASSOCIATED WITH THE INSURED. THIS INFORMATION MUST BE INDEPENDENTLY VERIFIED PRIOR TO USE. THIS REPORT IS NOT A RECOMMENDATION IF YOU HAVE QUESTIONS, CONTACT: REFER CONSUMERS TO: LEXISNEXIS TECHNICAL SUPPORT LEXISNEXIS CONSUMER CENTER P. O. BOX P. O. BOX ATLANTA, GEORGIA ATLANTA, GEORGIA TELEPHONE: TELEPHONE: Copyright 2012 LexisNexis. All rights reserved. 8

9 Appendix B: State Specific Information Due to state regulations and agreements the services and information provided by VIN Services vary among three state groupings. State Group One: Alaska Colorado Connecticut Delaware District of Columbia Florida George Idaho Illinois Iowa Kansas Kentucky Louisiana Maine Maryland Massachusetts Michigan Minnesota Mississippi Missouri Montana Nebraska New Jersey New York North Carolina North Dakota Ohio Oregon Rhode Island South Carolina Tennessee Texas Utah Vermont West Virginia Wisconsin Wyoming The following services and information are provided for states in State Group One: VIN VERIFICATION/VIN DISCOVERY, which includes information on VIN, Year, Make, Model, State of Registration, Plate Expiration Date, Decoded Description of VIN. REGISTERED OWNER INFORMATION, which includes information on name and address of the vehicle owner reported for the verified/discovered VIN, based on the following rules: REGISTERED OWNER INFORMATION, which includes information on confirmation of the registered vehicle owner's identity (name and address) reported in the following format: - DOES REGISTERED OWNER SURNAME MATCH?: YES/NO - DOES REGISTERED OWNER NAME MATCH?: YES/NO - DOES REGISTERED OWNER ADDRESS MATCH?*: YES/NO Note: Address confirmation requires a surname or full-name match. DEVELOPED VEHICLES, which includes information on other vehicles registered at the input address are reported when the registered owner's full name, address and VIN for the subject vehicle matches input. The registered owner name for developed vehicles is only reported when matching to input. Note: This information is reported in the Additional Information Section on page 5. State Group Three: No services or information is available for the states in State Group Three. Arkansas California Hawaii Indiana New Hampshire Oklahoma Pennsylvania Virginia Washington - registered owner name is always reported - registered owner address is reported only when registered surname matches the surname on the input data. DEVELOPED VEHICLES, which includes information on other vehicles registered at the address on the order are reported when the registered owner's surname and address matches those of the subject on the order. State Group Two: Alabama Arizona Nevada New Mexico South Dakota The following services and information are provided for states in State Group Two: VIN VERIFICATION/VIN DISCOVERY, which includes information on VIN, Year, Make, Model, State of Registration, Plate Expiration Date, Decoded Description of VIN. Copyright 2012 LexisNexis. All rights reserved. 9