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Auto insurance policy headaches

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Junior Member
What is the name of your state? California

I am trying to get a new auto policy from an insurance company. They sent me a lot of papers to sign. One of them is for me to authorize them to get an investigative consumer report. I wonder why they need an investigative consumer report for an auto policy.

I found on the internet that "an investigative credit report is one that goes beyond a typical credit report, with more detail. It might include very personal details such as your reputation and personal character. They get this through interviews with neighbors, friends, business associates, etc." So if I authorize them to get the report, will some people start bothering my neighbors and friends in order to compile the report?

Also, on the policy application, they only write 100/300 instead of 100,000/300,000. Is it normal? I am worried that in case something happens, someone would tell me my coverage is only 100 instead of 100,000.

I didn't imagine getting a new auto policy would bring such headaches. Please help.
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Senior Member
There is no such thing as $100/$300 coverage. the use of 100/300 is to abbreviate $100,000/$300,000 coverage limits.

ask the insurance sales agent what their consumer investigation entails.


Senior Member
An insurance financial score is becoming very standard in the insurance market. The better your insurance financial score is, the better your rates can be. A IFS is not just your credit score, as most companies look at everything---the good, bad, and ugly. I have never in 9 yrs of working for an insurance company known of anyone that has had their neighbors visited usual their is a questionable claim aka fraud.

And 100/300 is standard when writing a policy. It means 100,000/300,000.

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