First Heritage Insurance Agency Logo

FAQ

We understand how confusing shopping for new insurance can be, and we strive to always make sure all of our client’s questions are answered so we can help them select the best insurance plan for their needs. View some of our frequently asked questions below for a quick answer to some of your most pressing questions, and please feel free to contact us with any additional questions you may have.

a. LexisNexis Risk and Information Analytics Group provides a comprehensive loss underwriting exchange (C.L.U.E.) report. This report provides the claim histories of individuals that apply for insurance. You can obtain a copy of your report by calling LexisNexis toll free at 1-800-456-6004, or by writing them at:

I. LexisNexis Consumer Service Center, PO BOX 105108, Atlanta, GA 30348-5108

II. Hours of operation are Monday thru Friday 8AM – 7PM

b. From time to time you may be able to change the fault of an accident by providing a loss history report from your insurance company at the time of the accident.

You should contact the NYS DMV Call Center Monday thru Friday 8AM-4:30PM at 518-486-9786.

Insurance companies at the time of an accident will apply a % of who’s at fault for the accident based upon many factors, including a police report. Sometimes the insurance companies will split the fault of the accident even when it shouldn’t be based upon how they pay the claim. As a policyholder you need to make sure that the insurance company marks the claim appropriately at the time of payout.

This is different for every bank or leasing company. It is best to confirm with the proper financial institution that is lending you the money for the vehicle.

Auto insurance scoring takes into account all of the information that is found in your credit score, plus your past auto insurance history. Some of the factors that are taken into account are tickets, accidents, and any insurance claims that you may have filed within a certain time period. These factors are obvious indicators of how risky or dangerous someone is when driving.

Our Hours

Monday - Friday: 9am - 5pm
Saturday: 9am - 3pm