Will insurance companies ask me to provide my vehicle history report?

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Reviewing the Report

Insurance companies will likely review your vehicle history report; however, they will probably not ask you to provide your own vehicle history report, because they can easily order such reports themselves.

A vehicle history report is not like a driver’s license, where you possess it and need to show it as proof to others. Rather, vehicle history reports are comprehensive records of your used car’s history maintained by private companies and available to anyone who can provide a vehicle identification number (VIN). Usually, in any circumstance when someone needs to determine the market value and history of your used car, they will order your vehicle history report themselves. They do not need your permission and will almost never ask you to provide the vehicle history report yourself.

The reality is that most people don’t have their own vehicle history reports handy. In addition, you would never want to trust someone to provide his or her own vehicle history report because it could be fabricated. So if you’re applying for insurance, rest assured that your insurance company will obtain a copy of your vehicle history report without your assistance.

Order Your Own Report

Yet it’s a good idea for you to see what’s on your vehicle history report, so you’ll want to consider ordering one anyway.

The report will alert you to many potential problems a used car could have, such as:
  • Salvage history.
  • Accidents.
  • Repairs performed at reporting service centers.
Ordering your vehicle history report online takes a couple of minutes and is instantly viewable.

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