Does every insurance claim get reported to CarFax?

Damage Inc · 08-04-2019, 09:01 PM

Got some road rash, considering a claim to get the hood / bumper repainted. However I don't want it to show up on carfax as an accident. I'm not trying to be deceitful but don't want it to be reflected inaccurately. As you know a carfax will drop value an easy 10% at trade in if not more. TIA.

IK6SPEED · 08-05-2019, 02:29 AM

Quote:

Originally Posted by Damage Inc

Got some road rash, considering a claim to get the hood / bumper repainted. However I don't want it to show up on carfax as an accident. I'm not trying to be deceitful but don't want it to be reflected inaccurately. As you know a carfax will drop value an easy 10% at trade in if not more. TIA.

Generally, yes

Poochie · 08-05-2019, 03:09 AM

All insurance claims including minor, not-at-fault accidents and small glass claims goes one something called a CLUE report or Comprehensive Loss and Underwriting Exchange.

CLUE shares data with LexisNexis, of whice Carfax obtains information from.

This should answer your question.

https://personalreports.lexisnexis.c...disclosure.jsp

https://www.insurance.wa.gov/clue-co...iting-exchange

bagekko · 08-05-2019, 09:18 AM

A minor tap on the rear of my 135 last year, no police report, told my insurance about it, claim processed through other party's USAA, does NOT show on Carfax. Was suprised, even the local dealer has it logged in their vehicle history.

RickFLM4 · 08-05-2019, 09:53 AM

What do you mean by road rash? Are you sure it is covered by insurance vs. wear and tear?

If you are putting in a claim, I’d assume it will appear on CarFax. It may not say accident. It could say something like “front end damage” which isn’t any better.

If you are buying a car, on the other hand, I would not assume that 100% of previous owners’ insurance claims are on CarFax.

cotmfk · 08-05-2019, 11:07 AM

They don't all get reported. Carfax used to be awful - four or five used cars in a row I bought had work done to them and it was not on the Carfax. I have heard it is better now, but I would never assume Carfax is accurate.

damageprone · 08-05-2019, 11:38 AM

No, they don't get all reported. I checked one of my old cars for fun that I had since new. I had two insurance claims on it, one accident, and one comprehensive. Only the comprehensive claim showed up.

Red Bread · 08-05-2019, 11:46 AM

Yeah, I had a car with multiple insurance repairs through the BMW body shop and none showed up on CarFax. Amusingly the one repair I paid cash to fix was on the report.

Kolyan2k · 08-05-2019, 11:56 AM

No. Seems to be hit or miss. Mine wasn't reported as I learned when selling my car. I did disclose to buyer previous repair

Robotechnology · 08-11-2019, 08:39 AM

No. Police report and insurance claim for a hit and run while my 1st F80 was parked never showed up on carfax. Car was sold 3 years later with refinished rear quarter and bumper disclosed by me and not carfax.

Efthreeoh · 08-11-2019, 09:29 AM

Used cars are used cars. CarFax doesn't change that.

Buying a used car is always a crapshoot.

Kolyan2k · 08-11-2019, 11:42 AM

It's funny how people stay away from cars that had minor damages and only want 1 owner cars. Few years ago I checked out a car that was 1 owner no accidents and when I looked at it, it looked like car was a total loss cheaply put back together

I used to work at the dealership and many crazy mofos were buying cars under $5k wouldn't even look at them if Carfax showed 1 accident on it. I mean who in the right mind cares about that when buying some 2002 Hyundai for $3k lol

wdb · 08-11-2019, 05:17 PM

I (knowingly) bought a car that had been completely reskinned due to hail damage. Clean Carfax.

spazzyfry123 · 08-12-2019, 12:05 AM

Hit or miss. I owned a 2013 GLI from new. Had one incident from road debris that ripped open the passenger side door about three years in. No ding to the CarFax despite me filing a claim. However, a mysterious "accident" showed on the CarFax within the first year of my ownership that certainly never happened. Stuck on the car's record throughout my four or so years of ownership and never found out why.

Chihuahua · 08-12-2019, 05:58 PM

Quote:

Originally Posted by Damage Inc

Got some road rash, considering a claim to get the hood / bumper repainted. However I don't want it to show up on carfax as an accident. I'm not trying to be deceitful but don't want it to be reflected inaccurately. As you know a carfax will drop value an easy 10% at trade in if not more. TIA.

This isn't an answer to your question, but as a sidebar normal 'wear and tear' won't be considered a covered peril unless you can prove you were following a rock truck and off of those chips occurred as part of a singular incident (they didn't). Your insurance company will most likely deny your claim.

GenXer · 08-14-2019, 12:18 AM

I wrecked my Corvette C7 by hitting a raised manhole on I-94 in Michigan in the middle lane. There was no way to change lanes of course. There were traffic on left and right lanes and semi-truck following me so I tried to straddle this structure. It ended up gutting the bottom of my car. They had to replace everything underneath by removing the transmission, suspension, exhaust and fuel tank. There was about $20K in damages. I ended up trading the car with just 500 miles on it. The dealer printed out a Carfax and all it said was pothole damage. Pothole indeed. LOL

clee1982 · 08-15-2019, 01:20 PM

I ran a tire (with rim) the other day on I-95 (couldn't change lane last minute either), since nothing happened, I continued..., maybe I should go to some shop to just have it raised to check out if anything happened

Lenny_RDM · 08-16-2019, 01:26 AM

Quote:

Originally Posted by Damage Inc

Got some road rash, considering a claim to get the hood / bumper repainted. However I don't want it to show up on carfax as an accident. I'm not trying to be deceitful but don't want it to be reflected inaccurately. As you know a carfax will drop value an easy 10% at trade in if not more. TIA.

Quote:

Originally Posted by Damage Inc

Got some road rash, considering a claim to get the hood / bumper repainted. However I don't want it to show up on carfax as an accident. I'm not trying to be deceitful but don't want it to be reflected inaccurately. As you know a carfax will drop value an easy 10% at trade in if not more. TIA.

I just make claim after some fu$@! Contractors lost ladders on highway and some peace's hit my car ( new after 500miles) so after 100 calls raports and all that garbage yes they pay ( i pay 500$ deductible) and now i make quotes for insurance for next year and guess what? This f$&):! After everything put in my records that's was my fault
So I think better will be to pay without claim....

08-04-2019, 09:01 PM	#1
Damage Inc Lieutenant Colonel 859 Rep 1,964 Posts Drives: 2017 M2 Join Date: Apr 2005 Location: Nashville iTrader: (1)	Does every insurance claim get reported to CarFax? Got some road rash, considering a claim to get the hood / bumper repainted. However I don't want it to show up on carfax as an accident. I'm not trying to be deceitful but don't want it to be reflected inaccurately. As you know a carfax will drop value an easy 10% at trade in if not more. TIA. __________________ Current: 17 OG M2 / 21 Huracan EVO Past Performance Cars: 01 M3, 05 M3, 06 M5, 08 M6, 08 M3, 11 M3, 13 M3, 15 M3, 911 C4S, 911 GTS, 17 M2,R8 V8, R8 RWS
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08-05-2019, 03:09 AM	#3
Poochie Luxury at the redline :) 9137 Rep 7,563 Posts Drives: 2016 M2 Join Date: Aug 2012 Location: NYC iTrader: (3)	All insurance claims including minor, not-at-fault accidents and small glass claims goes one something called a CLUE report or Comprehensive Loss and Underwriting Exchange. CLUE shares data with LexisNexis, of whice Carfax obtains information from. This should answer your question. https://personalreports.lexisnexis.c...disclosure.jsp https://www.insurance.wa.gov/clue-co...iting-exchange
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08-05-2019, 09:18 AM	#4
bagekko Major 877 Rep 1,122 Posts Drives: Lots of BMWs Join Date: Aug 2013 Location: RI/MA iTrader: (0) Garage List 2018 M4 Vert [0.00] 2006 Z4M Roadster [0.00] 1995 540i [0.00] 2008 BMW M5 [0.00] 2019 i3 Rex [0.00] 2021 X7 40i MSport [0.00]	A minor tap on the rear of my 135 last year, no police report, told my insurance about it, claim processed through other party's USAA, does NOT show on Carfax. Was suprised, even the local dealer has it logged in their vehicle history. __________________ 2008 M5 6spd, 1995 540i 6spd 2018 M4 Vert Comp, 2019 i3 120ah REX 2021 X7 40i MSport, 2006 Z4M 6spd
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08-05-2019, 09:53 AM	#5
RickFLM4 Brigadier General 12008 Rep 4,880 Posts Drives: M4 Join Date: Jul 2015 Location: PB County, FL iTrader: (0)	What do you mean by road rash? Are you sure it is covered by insurance vs. wear and tear? If you are putting in a claim, I’d assume it will appear on CarFax. It may not say accident. It could say something like “front end damage” which isn’t any better. If you are buying a car, on the other hand, I would not assume that 100% of previous owners’ insurance claims are on CarFax. __________________ Current: 2018 SO/SS F83 ZCP Gone: 2015 SO/SO F82
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08-05-2019, 11:07 AM	#6
cotmfk Major General 2161 Rep 6,194 Posts Drives: M3 Join Date: Mar 2009 Location: FL iTrader: (12)	They don't all get reported. Carfax used to be awful - four or five used cars in a row I bought had work done to them and it was not on the Carfax. I have heard it is better now, but I would never assume Carfax is accurate. __________________ T1M3LESS M3 is for sale https://f80.bimmerpost.com/forums/sh....php?t=1423045
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08-05-2019, 11:38 AM	#7
damageprone Major 585 Rep 1,055 Posts Drives: Tesla Join Date: Mar 2017 Location: Casino iTrader: (1)	No, they don't get all reported. I checked one of my old cars for fun that I had since new. I had two insurance claims on it, one accident, and one comprehensive. Only the comprehensive claim showed up.
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08-05-2019, 11:46 AM	#8
Red Bread Major General 4460 Rep 9,136 Posts Drives: Smog machines Join Date: Oct 2008 Location: Austin, TX iTrader: (0)	Yeah, I had a car with multiple insurance repairs through the BMW body shop and none showed up on CarFax. Amusingly the one repair I paid cash to fix was on the report.
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08-05-2019, 11:56 AM	#9
Kolyan2k Major General 988 Rep 5,552 Posts Drives: 2006 S2000 Join Date: Apr 2010 Location: Boston iTrader: (1)	No. Seems to be hit or miss. Mine wasn't reported as I learned when selling my car. I did disclose to buyer previous repair
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08-11-2019, 08:39 AM	#10
Robotechnology RDF 160 Rep 250 Posts Drives: F80/JCW Clubman/STI/Taos Join Date: Mar 2015 Location: North NJ iTrader: (0)	No. Police report and insurance claim for a hit and run while my 1st F80 was parked never showed up on carfax. Car was sold 3 years later with refinished rear quarter and bumper disclosed by me and not carfax.
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08-11-2019, 09:29 AM	#11
Efthreeoh General 19778 Rep 19,199 Posts Drives: The E90 + Z4 Coupe & Z3 R'ster Join Date: May 2012 Location: Verginny iTrader: (0)	Used cars are used cars. CarFax doesn't change that. Buying a used car is always a crapshoot. __________________ A manual transmission can be set to "comfort", "sport", and "track" modes simply by the technique and speed at which you shift it; it doesn't need "modes", modes are for manumatics that try to behave like a real 3-pedal manual transmission. If you can money-shift it, it's a manual transmission. "Yeah, but NO ONE puts an automatic trans shift knob on a manual transmission."
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08-11-2019, 11:42 AM	#12
Kolyan2k Major General 988 Rep 5,552 Posts Drives: 2006 S2000 Join Date: Apr 2010 Location: Boston iTrader: (1)	It's funny how people stay away from cars that had minor damages and only want 1 owner cars. Few years ago I checked out a car that was 1 owner no accidents and when I looked at it, it looked like car was a total loss cheaply put back together I used to work at the dealership and many crazy mofos were buying cars under $5k wouldn't even look at them if Carfax showed 1 accident on it. I mean who in the right mind cares about that when buying some 2002 Hyundai for $3k lol Last edited by Kolyan2k; 08-11-2019 at 06:10 PM..
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08-11-2019, 05:17 PM	#13
wdb dances with roads 5212 Rep 4,139 Posts Drives: '07 E86, '02 996, '95 Seven Join Date: Jul 2015 Location: the perimeter iTrader: (4)	I (knowingly) bought a car that had been completely reskinned due to hail damage. Clean Carfax.
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08-12-2019, 12:05 AM	#14
spazzyfry123 Colonel 5478 Rep 2,025 Posts Drives: Here and There Join Date: Jul 2013 Location: North Georgia Mountains iTrader: (1) Garage List 97 Toyota Land Cruiser [8.33] 2004 Ford F-150 [10.00] (2)11 BMW E90M Stri ... [10.00] (1)11 BMW E90M Stri ... [10.00] 16 Toyota Land Cruiser [10.00]	Hit or miss. I owned a 2013 GLI from new. Had one incident from road debris that ripped open the passenger side door about three years in. No ding to the CarFax despite me filing a claim. However, a mysterious "accident" showed on the CarFax within the first year of my ownership that certainly never happened. Stuck on the car's record throughout my four or so years of ownership and never found out why.
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08-14-2019, 12:18 AM	#16
GenXer Major 1410 Rep 1,031 Posts Drives: Like a bat out of hell. Join Date: Apr 2019 Location: here and there iTrader: (0) Garage List 2017 Chevrolet Volt [0.00] 2020 Chevrolet Tahoe [0.00]	I wrecked my Corvette C7 by hitting a raised manhole on I-94 in Michigan in the middle lane. There was no way to change lanes of course. There were traffic on left and right lanes and semi-truck following me so I tried to straddle this structure. It ended up gutting the bottom of my car. They had to replace everything underneath by removing the transmission, suspension, exhaust and fuel tank. There was about $20K in damages. I ended up trading the car with just 500 miles on it. The dealer printed out a Carfax and all it said was pothole damage. Pothole indeed. LOL
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08-15-2019, 01:20 PM	#17
clee1982 Lieutenant Colonel 805 Rep 1,736 Posts Drives: 2019 BMW 540i xDrive Join Date: Nov 2018 Location: NYC iTrader: (0) Garage List 2019 BMW 540i xDrive [0.00]	I ran a tire (with rim) the other day on I-95 (couldn't change lane last minute either), since nothing happened, I continued..., maybe I should go to some shop to just have it raised to check out if anything happened
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