How law firms access auto insurance claims history

Auto insurance claims history is a record of a driver's past insurance claims, detailing incidents such as accidents, damages, and settlements.

For law firms, this data is crucial in assessing the facts of a case, establishing liability, and determining potential damages or patterns of negligence. Accessing accurate claims history allows attorneys to build stronger cases and negotiate settlements with a clear understanding of a client's or opposing party’s insurance background. Automating the process is the next step in streamlining law firm operations.

Who needs access to auto insurance claims history?

A variety of professionals frequently need access to auto insurance claims history including fleet management companies, car rental agencies, insurers, auto lenders, and auto dealerships. These entities use claims data to evaluate the risks associated with customers and drivers, helping them make more informed decisions on vehicle rentals, sales, insurance rates, or leases. 

Separately, law firms and lawyers, especially personal injury attorneys, often rely on claims history to assess liability and determine the strength of their cases.

Traditional methods of accessing auto insurance claims history

Traditionally, accessing this information has involved manual processes. 

Typically manual claims history collection involves contacting individual insurance companies directly to retrieve a driver’s claims history. This process is even more tedious and prone to delays due to the lack of standardization across insurers. Manually piecing together this information can create data gaps and expose organizations to potential errors

Another, and perhaps the most common, method is through the Comprehensive Loss Underwriting Exchange (C.L.U.E.), a database that tracks auto insurance claims. C.L.U.E. reports are widely used, but they come with significant limitations. Law firms need consumer authorization to access the data, which is received manually via back and forth phone calls or email with the consumer. Even once authorized, retrieving the information is often cumbersome: Data is pulled and gathered in a catch-all report from C.L.U.E., which the firm has to further dissect to get the information to understand their clients claims. 

Both methods can be time-consuming, limiting operational efficiency for law firms.

Automating access to auto insurance claims history

Thankfully, automated solutions, likefrom MeasureOne, are revolutionizing how professionals access this crucial data. Automated APIs simplify and streamline the entire process, giving businesses and legal teams real-time access to verified claims history from the primary source of auto insurance—a consumer’s online auto insurance account. These tools are particularly valuable because they eliminate the need for manual requests and reduce the chances of human error. By pulling data directly from insurance providers and presenting it in a standardized format, API-driven solutions ensure the information is both accurate and comprehensive.

Why law firms need instant claims history for case evaluation

For law firms, particularly those specializing in personal injury and accident cases, instant access to auto insurance claims history is critical for effective case evaluation. Claims history provides essential information about prior incidents, helping attorneys assess liability and develop a strong legal strategy. Without timely data, lawyers may struggle to build a comprehensive picture of the case, which can delay proceedings or result in missed opportunities.

By utilizing automated claims history tools, such as MeasureOne’s API, legal teams can quickly access verified information about a driver’s past claims, including accident details, damages, and payouts. This immediacy allows lawyers to make informed decisions early in the case, identify patterns of negligence, and estimate potential settlements more accurately. The ability to retrieve real-time claims data also speeds up the discovery process, enabling faster responses to insurance companies and opposing counsel.

Automating claims history access not only streamlines case preparation but also enhances data accuracy, minimizing the risk of errors or incomplete information that could weaken a case. In an industry where time and precision are crucial, instant claims history access can provide law firms with a competitive edge.

Simplifying claims history access with MeasureOne

When you’re dealing with claims history, accuracy is non-negotiable, and, fortunately, with MeasureOne, access to claims history is 100% accurate, instant, and can be integrated directly into your current flow. Automating access to claims history with MeasureOne offers numerous benefits for both your business, such as:

• Marketing-leading coverage/conversion: 95% coverage of all auto insurance carriers. Plus leading coverage in other industries.
• Lowest costs in the space: MeasureOne’s platform gathers data by API rather than manpower to verify documentation and connect to third parties and comes at a lower cost than leading competitors.
• Mature technology and scalability: Technical ability to deliver a one-stop-shop for consumer data for your current and future needs, including insurance verification, and more.
• 100% accurate document processing: Your trusted fallback solution to the credentialed solution, supporting all types of documents. That’s proprietary, automated, deterministic document and image processing with 100% accuracy.

Try it for free for 14 days.