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First off, I have been a claims adsutjer for 20+ years. Using a credit report to help determine rates is pure BS. As another poster stated many people with good credit suck at driving. Their the ones who are wealthy and too busy to pay attention while driving. I have investigated 1000 s of accidents and there is absolutely no correlation between bad credit and bad driving. I agree there is a correlation between good credit and the insurance company getting paid on time. That is their main concern. Using the credit report crap to charge higher rates is just a bonus to the company.And folks let\'s be clear about the myth that insurance is required in all states. It is NOT!! It certainly should be but it is not.People who are not in the insurance game (like nan6872) assume that insurance is required in all states because that is a logical conclusion, except when dealing with insurance and vehicle laws there is not much logic applied. There are many states that do not require mandatory insurance but instead require financial responsibility . For example I handle a lot of claims in Wisconsin. There are tons of insured drivers there drinking their great beer and driving home. Insurance is not mandatory there, however if you have an at-fault accident while uninsured the Dept of Transportation will revoke your license and registration if you do not sign a contract to repair the damages you are responsible for.
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First, you have to get a property and cutsalay insurance license. That entails pre-licensing education credits and successfully passing the state exam.You won\'t be able to start your own agency, if that is what you are thanking. Insurance companies appoint agents to sell their products. If you don\'t have an agency appointment you can\'t sell their insurance. Companies are very picky when it comes to authorizing who will represent them. I can assure you that they will not appoint an agent who is starting from scratch and is intending to sell insurance part time. Instead you will need to find a job as an agent with an insurance agency that already has those critical agency appointments. Learn the ropes, develop a book of business (clients) and at some point you might be able to think about starting your own agency. Maybe.Good luck and best wishes.
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Of course! One of the quniesots in the applicationt that must be answered truthfully is similar wording to please list all accidents you have been involved in as a driver, whether at fault or not, in the last #x years . They also ask for the approximate amount of any claim associated with the accidents. Some companies want 3 years, some 5, and they do check. If they issue a policy immediately based on falsed information, you would receive a registered letter within days, possibly cancelling it, or increasing premiums substantially. In my office, sometimes I would fax an application and receive a phonce call back within half an hour asking why a certain accident hadn\'t been declared by the applicant.
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