How do you find insurance records from a previous owner of a car?

Answer from a General Agent

Insurance Records are protected under State and Federal Privacy laws. There is no legitimate legal reason for a person to want the "insurance records" of a previous owner.

Any coverage or compensation paid to a previous owner would not extend to the new owner anyway as the new owner did not have a financial interest in the property (vehicle) prior to the purchasing it. The previous insurers obligations was to the previous insured owner and those obligations ceased after the policy expired, terminated or when the vehicle was sold.

If you are interested in the vehicle history, accidents, previous damage or repairs and such, this can be obtained through Car Fax and other services detailed below.

Insurance Records

Have you tried ordering copies of old checks you used to pay for the policy? That could be a first step. Or get credit card records if you paid via that method.

You could try contacting your state department of insurance and ask them what your state laws are for disclosure. Have you tried getting your records from both the agent on the carrier? Is the agent captive with the company? Basically try getting records from the agent if the carrier did not respond, or vice versa.

You may also have to complain to your state's dept of insurance to get action.

Answer

If you know the owner of the vehicle than you can probably order a CLUE report on them from ChoicePoint. Otherwise, CARFAX will usually list what accidents it has been in.

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