How to Check if a Vehicle Has Had Any Insurance Claims
2 Answers
Users can directly call their insurance agent or contact the company's customer service center to inquire. Enter the name of the insurance company followed by "auto insurance," then input the license plate number and the policyholder's ID number to check. Bring your ID number or policy number to the insurance company's business outlet for inquiries.
When I bought a used car before, I always had to check if it had any insurance claims to avoid spending money on trouble. I would first ask the seller for the VIN or license plate number, then go online and use some vehicle history report platforms, like a certain APP or official website, enter the information to see accident records, insurance claim details, etc. The key is to use reliable channels, don’t trust those small ads, to prevent being scammed. Once I found out a car had hidden accident records, so I decisively skipped it. You can also ask the insurance company, but you need the owner’s authorization. Checking the car’s exterior is also important, like looking for frame deformation or paint touch-up marks, which can indirectly indicate issues. However, relying solely on appearance isn’t reliable; it’s safer to trust the data. Safety first—these checks took some time, but it’s worth it for long-term peace of mind when driving.
