LexisNexis® Current Carrier
Agent How to Read
January 2013
INS0015
LexisNexis® Current Carrier
Agent How to Read
January 2013
Confidential and Proprietary
ALL NAMES IN THE TEXT OR ON THE SAMPLE REPORTS SHOWN IN THIS DOCUMENT ARE OF FICTITIOUS PERSONS AND ENTITIES.
ANY SIMILARITY TO THE NAME OF ANY REAL PERSON, ADDRESS, SCHOOL, BUSINESS, OR OTHER ENTITY IS PURELY
COINCIDENTAL.
LexisNexis and the Knowledge Burst logo are registered trademarks of Reed Elsevier Properties Inc., Used under license. Other products and
services may be trademarks or registered trademarks of their respective companies.
Copyright © 2012 LexisNexis. All rights reserved.
Current Carrier Agent How to Read
INS0015
01/13
Table of Contents
Introduction
Introduction ...........................................................................................................3
Recap Section .........................................................................................................4
Disclaimer Section .................................................................................................5
Current Carrier Section ..........................................................................................5
Consumer Disputes and Statements Section ..........................................................7
Current Carrier provides the most up-to-date insurance applicant information available in
conjunction with your C.L.U.E.® Auto, C.L.U.E. Property, NCF (National Credit File®),
and Solutions At Quote (SAQ) inquiries. Current Carrier reports contain insurance policy
information as reported by a network of participating insurance companies. This
information ensures your ability to screen, classify, and rate applicants more accurately
and efficiently.
Copyright © 2012 LexisNexis. All rights reserved.
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Recap Section
The Recap Section summarizes the information that appears in the rest of the report. It
provides you with a Current Carrier reference number and search messages.
- STATE NOT AVAILABLE FOR THIS ACCOUNT = The account number
on the order has been set up to not order in the state requested.
[3]
Subj uses number that is assigned in the order the subjects were received.
[4]
Current equals Current Policy. Y or N indicates weather or not a current policy
exists.
[1] CURRENT CARRIER AUTO REFERENCE NUMBER: 00000000000000
- If 'Y', today's date falls within one of the policy periods reported, or, the last
reported policy period is within 30 days of the inquiry date.
[2] CURRENT CARRIER SEARCH – RECORD(S) FOUND
[3] SUBJ 1 – RECORD(S) FOUND [4] CURRENT: Y
[5] PRIOR# : 2 [6] POSSIBLE LAPSE: N/N
PRIOR POLICY ALERT: NCURR PROP POL: N
SUBJ 2 – RECORD(S) FOUND CURRENT: Y
PRIOR#: 2 POSSIBLE LAPSE: N/N
PRIOR POLICY ALERT: NCURR PROP POL: N
SUBJ 3 – RECORD(S) FOUND CURRENT: N
PRIOR#: 1 POSSIBLE LAPSE: Y/N
PRIOR POLICY ALERT: Y/C/>12CURR PROP POL: N
SUBJ 4 – NO RECORD(S) FOUND
- If 'N', the last reported policy period is greater than 30 days from the inquiry
date, or the previous policy period is within 30 days of the inquiry date but the
policy status is reported as cancelled.
[1]
Reference Number: This is the Current Carrier Report identification number.
[5]
[2]
This indicates the status of your search. If any current or prior policies were
found on one or more of the inquiry subject(s), you will receive one of the
following messages:
Prior equals Prior Policy. This fields shows the number of prior policies
reported for this subject. If a current policy exists, it is excluded from this count.
[6]
Possible Lapse in coverage is indicated with a 'Y' for Yes, or an 'N' for No. If
'Y', the last reported policy period is greater than 30 days from the inquiry date,
or multiple policies reported show a gap in coverage from one policy to another.
- RECORD(S) FOUND = Policies have been found and reported.
- RECORD(S) FOUND SECONDARY REPORT = Policies have been
found and reported. Report is being billed as a secondary search.
If no current or prior Current Carrier report information was found, you will
receive one of the following messages:
- NO RECORD(S) FOUND = No policies were found for this inquiry
- NO RECORD(S) FOUND SECONDARY REPORT = No policies were
found for this inquiry. Report is being billed as a secondary search.
If an error occurred while processing your report, you will receive one of the
following messages:
- INVALID ACCOUNT = The account number that was entered is not set up
for Current Carrier.
- INSUFFICIENT DATA = Not enough data elements were on the inquiry to
complete a Current Carrier search.
- CURRENT CARRIER UNAVAILABLE = The Current Carrier database is
temporarily unavailable.
- ACCESS NOT PERMITTED = The type of Current Carrier report (Auto or
Property) requested is not allowed for the account number on the order.
Copyright © 2012 LexisNexis. All rights reserved.
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Disclaimer Section
Current Carrier Section
The Disclaimer explains how and where Current Carrier information was obtained and
how to tell whether a policyholder or an insurance company reported the information.
The Current Carrier Section follows the last page of your C.L.U.E. Auto, C.L.U.E.
Property, NCF, or Solutions At Quote report. Policy and policyholder information is
reported the same way for Auto and Property requests.
=== CURRENT CARRIER ===
--------------------------------------------------------------------------------------------------------------------------------------------------------THIS CURRENT CARRIER REPORT IS THE RESULT OF SEARCHING FOR POLICY HISTORY ON
THE INDIVIDUALS IN THE HOUSEHOLD. THE INFORMATION SHOULD BE INDEPENDENTLY
VERIFIED PRIOR TO USE. SUBSCRIBER SHOULD INDEPENDENTLY DETERMINE WHAT ACTION,
IF ANY, TO TAKE.
Auto
Auto reports include all Vehicle Identification Numbers (VIN), vehicle years, and vehicle
makes under this policy. Business Use, Coverage, and Auto Limits will be reported for
each vehicle.
WHEN THE > SYMBOL APPEARS PRECEDING THE POLICY NUMBER, THE CORRESPONDING
POLICY INFORMATION WAS PROVIDED TO LEXISNEXIS BY THE POLICYHOLDER.
CURRENT CARRIER IS A TRADEMARK OF LEXISNEXIS.
---------------------------------------------------------------------------------------------------------------------------------------------------------
[7] POL: PA4520999141231
[8] TYPE: AU
[9] INCEPTION: >36 MONTHS [10] STATUS: IN-EFFECT
[11] POLICYHOLDER
[13] SUBJECT
SMITH, JOSEPH ANTHONY
[12] (PRIMARY)
1
[14] IN-EFFECT
START DATE: 09/15/2003 OCCURRENCES: 0 LAST CANC DATE: 00/00/0000
SMITH, JULIE
(LISTED)
2
IN-EFFECT
START DATE: 09/15/2003 OCCURRENCES: 0 LAST CANC DATE: 00/00/0000
SMITH, ANDREW
(EXCLUDED)
3
EXPIRED < 6 MONTHS
START DATE: 09/15/2003 OCCURRENCES: 0 LAST CANC DATE: 00/00/0000
SMITH, KATIE
(EXCLUDED) OS
EXPIRED >24<30MTHS
[15] INSURED VEHICLE
[16] TYPE [17] BUS [18] COVERAGE
[19] BI & PI LIMIT
1N6ED29X02C312320 02 NISSAN
P
Y
BI CO CP MP PD TL 100000/300000/100000
[20] DED CP:01000
[21] UM UN
UM: 25000/50000
UN: 25000/50000
[22] LEASES VEHICLE: N
LIEN HOLDER 1 - GMC FINANCIAL
132 BREVARD BLVD
SUMMIT, NJ 07901
[7]
POL stands for the Policy Number for the subject. A greater than (>) symbol in
front of the Policy Number will only be reported if the policy information was
contributed by the consumer, not the insurance company.
[8]
Type identifies the type of policy held by the subject. Policy types include any of
the following:
[9]
Copyright © 2012 LexisNexis. All rights reserved.
AU= Auto
BO= Boat Owners
CO= Condominium FL= Flood
FR= Fire
HL= Hail
HO= Homeowners
IM= Inland Marine
MH= Mobile Home MO= Motorcycle
QK= Quake
RF= Ranch/Farm
TN= Tenant
WC= Watercraft
XO= Other
UM= Umbrella
Inception is calculated based on the original Inception Date and the inquiry date
or with the most current policy period. If the policy is IN-EFFECT, the inquiry
date is used. If the policy is CANCELLED or EXPIRED, the expiration date for
the subject with the most current policy period is used. If the timeframe falls
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equal to a six-month term, we will output greater than that six-month term and
less than the next six-month term.
[10]
CS = Combined Single BI/
PD
Status indicates whether the policy is one of the following:
ME = Medical Expense
MP = Medical Payment
NB = Uninsured Motorist/BI NP = Uninsured Motorist/
PD = Property Damage
PD
PI = Personal Injury
RR = Rental Reimbursement TL = Towing & Labor
Protection
- EXPIRED: Policy is no longer active.
- CANCELLED: The policy was terminated by either the insurance company
or the insured.
UB = Underinsured
Motorist/BI
UP = Underinsured
Motorist/PD
- IN-EFFECT: Policy is active.
- DISPUTED: Consumer has disputed specific items or the entire policy.
UM = Uninsured Motorist
UN = Underinsured
Motorist
OT = Other
[11]
Policyholder indicates the name of each subject.
[19]
BI & PI field indicates the limit for Bodily Injury and Personal Injury.
[12]
Primary indicates the relationship type for each subject. The relationship types
are:
[20]
DED CP stands for Deductible for Comprehensive and Collision Deductible
associated with the vehicle.
[21]
UM UN indicates the limit of coverage for Uninsured Motorists and
Underinsured Motorists.
[22]
Lease Vehicle indicates if this vehicle is leased or not.
- PRIMARY: Primary policyholder.
- LISTED: Secondary and other policyholders such as employees of the
insured are reported as listed.
- EXCLUDED: Reported by the insurance company as an excluded driver.
[13]
Subject uses number that corresponds with the order the subject was previously
provided in on the inquiry. An OS indicates the subject is included on the policy,
but not on the inquiry search.
[14]
IN-EFFECT is the subject policy status. No other information will be reported.
If the subject status is CANCELLED or EXPIRED, the timeframe that the
subject has been off of the policy will be reported. This timeframe is calculated
based on the policy period end date to the date of inquiry.
[15]
Insured Vehicle reports vehicles most recently covered on the policy, including
the V.I.N., year and make.
[16]
Type stands for types of vehicle. P is Passenger Car; T is Truck.
[17]
BUS indicates if the vehicle is being driven for business purposes.
- Y: Used for business purposes.
Property reports include all properties insured under this policy and each location's
coverage.
[23] INSURED PROPERTY
123 MAIN ST
ANYTOWN, US 12345-1234
[24] COVERAGE
COVA COVB COVC COVD COVE COVF
[23]
Insured Property lists all properties covered on the policy.
[24]
Coverage shows the types of coverage that the subject has on the property.
Coverage types may include:
BUSP= Business Pursuits
COVA= Dwelling
COVB= Other Structures
COVC= Personal Property
COVD= Loss of Use
COVE= Liability
COVF= Medical Coverage
ERQK= Earthquake
FIRA= Firearms Coverage
FARM= Incidental
Farming
HDCR= Home Day Care
Coverage field shows the types of coverage that the subject has on the insured
vehicle. Coverage types may be any of the following:
OTHR= Not placed in any
of the other categories
GRPL= Guaranteed
Replacement Cost
PPRC= Personal Property
Replacement Cost
BI = Bodily Injury
UMBR= Umbrella
WTCR= Watercraft
- A blank space: Not used for business purposes.
[18]
Property
CO = Collision
Copyright © 2012 LexisNexis. All rights reserved.
CP = Comprehensive
SCPP= Scheduled
Personal Property
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Consumer Disputes and Statements Section
Consumer disputes and statements are reported at the policy level.
Dispute Information is reported if the policy status is DISPUTED. Once the dispute has
been resolved, this section will no longer be reported.
Consumer Statements note any disputes or unusual circumstances surrounding the policy.
** ABOVE POLICY HAS BEEN DISPUTED AND IS BEING VERIFIED **
** THIS MATTER WILL BE RESOLVED BY 07/08/2004 **
** NARRATIVE INFORMATION BELOW REFERS TO ABOVE POLICY – PA4520999141231 **
DATE FILED: 02/02/2004 BY: SMITH, JOSEPH
RELATION: INSURED
THE CONSUMER STATES THAT THIS WAS A MONTH BY MONTH POLICY, AND IT WAS NOT
CANCELLED. HE STATES THAT IT WAS HE WHO CHOSE NOT TO RENEW IT BEYOND THE THIRD
MONTH.
Copyright © 2012 LexisNexis. All rights reserved.
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