Ann.without.an.e Posted March 1, 2013 Share Posted March 1, 2013 We received a personalized insurance quote from a competitor to our current insurance company. This company took complete liberty to (somehow?) pull all of our personal information and give us a written quote. This agent wrote on the outside of the envelope that she can beat (insert our current carrier's name) price. Inside was a detailed quote ~ cars with makes, models, etc. and homeowner's information. We didn't give them this information and we didn't ask for this quote. The agent had a nice little sticky note with a hand written personalized note saying she can do better for us. I thought about calling to tell her that the homeowner's quote is hundreds higher than our current and ask her to please not pull our personal information again. How did they get our info. so easily? Would it bother you? Quote Link to comment Share on other sites More sharing options...
kewb Posted March 1, 2013 Share Posted March 1, 2013 Yes, it would bother me. However, the reality is that all of our information is in various databases that insurance agents are allowed to access. Quote Link to comment Share on other sites More sharing options...
LMA Posted March 1, 2013 Share Posted March 1, 2013 Your info is public with the town/city in which you live. Anyone, not just insurance agents, can access your information about your house. Did you recently refinance? Quote Link to comment Share on other sites More sharing options...
Ann.without.an.e Posted March 1, 2013 Author Share Posted March 1, 2013 No, we didn't recently refinance. I know that our info is public but it still bothers me...the bold assumption that I desired a quote from her and that her quote was better (when it wasn't). Is our current insurance agency public record too? Quote Link to comment Share on other sites More sharing options...
Mabeline Posted March 1, 2013 Share Posted March 1, 2013 Yes, that would bother me. I would think you need to give your permission for them to access your information. My mom is an insurance agent and I don't think she would ever take the time to write up a quote for someone who has not asked for one. It is time consuming and she has real customers to deal with first. Quote Link to comment Share on other sites More sharing options...
celticmom Posted March 1, 2013 Share Posted March 1, 2013 I would not like that at all either. The information could have come from one of the credit bureaus like the information companies use to send out credit card offers. I don't know how much information they can give out. Quote Link to comment Share on other sites More sharing options...
Arcadia Posted March 1, 2013 Share Posted March 1, 2013 The banks mortgage department and mortgage brokers have a database that they (banks or self-employed individuals) paid to access. We just needed to give our home address and they could give us a personalised quote with all the personal information. I believe that there is a equivalent paid database for insurance agents/companies to pull data from. Quote Link to comment Share on other sites More sharing options...
Arcadia Posted March 1, 2013 Share Posted March 1, 2013 The information could have come from one of the credit bureaus like the information companies use to send out credit card offers. The credit bureaus do not receive any information about insurance. The bureaus also do not get homeowner's information. My name is on the house and not on the home loan. It is easy for us to narrow down the source of "information leak" The banks can give out certain personal information to their associates. There is an opt-out form to fill up. Quote Link to comment Share on other sites More sharing options...
Jean in Newcastle Posted March 1, 2013 Share Posted March 1, 2013 I get these all the time. Quote Link to comment Share on other sites More sharing options...
regentrude Posted March 1, 2013 Share Posted March 1, 2013 The information is public record - anybody could put it together. It would not bother me. Quote Link to comment Share on other sites More sharing options...
klmama Posted March 1, 2013 Share Posted March 1, 2013 Public records are available for them to see. That doesn't mean you have to like it or do business with them. I had an accident once and got several calls from doctors and chiropractors who had seen the accident report and wanted to know if I needed their services for any injuries I might have sustained. Um... no thanks. Quote Link to comment Share on other sites More sharing options...
Parrothead Posted March 1, 2013 Share Posted March 1, 2013 Lexus Nexus is probably where the info came from. You can opt out but it practically takes an act of congress. Lexus Nexus isn't as regulated as the credit bureaus. Quote Link to comment Share on other sites More sharing options...
phathui5 Posted March 1, 2013 Share Posted March 1, 2013 I would think it was a little creepy. I know the information is out there, but that doesn't mean I want them looking it up. Quote Link to comment Share on other sites More sharing options...
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