How To Avoid Getting Shafted By Wrong Insurance Data On You

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Property-casualty insurance is a mystery to most. How do the insurers set those rates, and why did your premiums go up, even if you had no claims. Maureen Crimmins of Crimmins Wealth Management in Woodcliff Lake, N.J., has one answer, a document that the carriers keep that few know about:

Larry Light: OK, so why as your automobile or homeowner’s insurance premium risen substantially even though you haven’t had any claims or received any tickets for driving infractions?

Maureen Crimmins: The cause could be an error in your C.L.U.E. report. The report database is called C.L.U.E., or Comprehensive Loss Underwriting Exchange, by LexisNexis Risk Solutions.

Light: What’s that?

Crimmins: It’s essentially like a credit report for insurance companies. It includes a five- to seven-year history of claims you’ve filed. The majority of insurance carriers provide claims data to it—data that includes names, birth dates and

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Avoid and report phishing emails

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A phishing attack happens when someone tries to trick you into sharing personal information online.

What phishing is

Phishing is usually done through email, ads, or by sites that look similar to sites you already use. For example, someone who is phishing might send you an email that looks like it’s from your bank so that you’ll give them information about your bank account.

Phishing emails or sites might ask for:

  • Usernames and passwords, including password changes
  • Social Security numbers
  • Bank account numbers
  • PINs (Personal Identification Numbers)
  • Credit card numbers
  • Your mother’s maiden name
  • Your birthday

Important: Google or Gmail will never ask you to provide this type of information in an email.

Report phishing emails

When we identify that an email may be phishing or suspicious, we might show a warning or move the email to Spam. If an email wasn’t marked correctly, follow the steps below to mark

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