What Is the Index System?

What Is the Index System?

As if being involved in an accident is not stressful enough, dealing with insurance companies afterward can certainly make things more so. You will likely be contacted by an adjuster from the insurance company after you file your claim who may ask for some personal information— your full name, address, date of birth, social security number and more. Although you may be wary of providing this, the adjuster will tell you that this information is necessary for handling your claim.

What probably is not made clear, by the adjusters, is that this information will be entered into the Index System, a national database that provides insurance companies with a list of every insurance claim you have made in the last twenty years, whether personal injury, auto, homeowner’s or worker’s compensation. This service is maintained by Insurance Services Offices, Inc.

This Index System is used by the vast majority of insurance companies. It contains information such as the nature of your claim, your injury and the amount of any settlements received. Members of your household are linked to your profile. Having access to the Index System allows insurers to check the claim history of clients and to prevent fraudulent claims.

It is important to bear in mind when and if you obtain legal counsel after your accident that the details of any past claims and settlements are readily available to them. Being dishonest or disingenuous about them can potentially disrupt or delay proceedings. Informing your attorney of a complete history of your legal claims ensures that your current case goes as smoothly, and with as little stress, as possible.

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