Blindspot

Run a Blindspot Check

LexisNexis keeps a file that insurers use to price your policy. You can get a free copy once every 12 months. Here is how to ask for it and what to expect.

You send your details to LexisNexis yourself, on its own site, phone line or form. Blindspot never sees your Social Security number or your report.

  1. Gather what LexisNexis asks for

    LexisNexis uses these details to confirm you are you.

    • Your full name and current street address
    • Your date of birth
    • Your Social Security number, or your driver's license number and the state that issued it

    A phone number and email address are optional. LexisNexis says an email is only needed if you want the data tied to that email included in your report.

  2. Send your request

    Pick whichever way suits you. All three reach the same Consumer Center.

    1. Open the LexisNexis online request form.
    2. Fill in your name, address, date of birth, and either your Social Security number or driver's license.
    3. Tick the box labeled “Request Your Consumer Disclosure Report”.
    4. Submit the form. A confirmation appears on screen.
    Open the LexisNexis request form

  3. Wait for a letter in the mail

    LexisNexis says to allow about two weeks. It does not email the report. It mails you a letter with a PIN and a web address.

    • Open the web address from the letter and enter the PIN.
    • Click the report link in the Name column, then enter the same PIN again as the password.
    • The report opens as a PDF. Save a copy.

    If LexisNexis can't process your request, it mails a letter asking you to call the Consumer Center at 1-866-897-8126 with more information. You can also ask for a paper copy by mail.

  4. Read your report

    Reports are long. These are the parts that matter for car insurance.

    Telematics
    Trip-by-trip driving entries, if any company sent them. A driver who sued over his file described entries with start and end times, distance, hard braking, rapid acceleration and high-speed events.
    Auto claims
    Your insurance claims going back up to seven years. LexisNexis calls this C.L.U.E.
    Home and property claims
    The same seven-year history for home and personal property insurance.

    No telematics section, or an empty one, is good news: it means no driving data from your car or apps is in this file.

  5. If something is wrong

    You have the right to dispute information that is inaccurate or incomplete, directly with LexisNexis, at no charge. LexisNexis must investigate. Blindspot does not file disputes or advise on them.

One more file to ask for

Verisk also received driving data from some automakers. It says it no longer receives that data or gives these reports to insurers, but you can still ask what it holds about you.

Open the Verisk request page

Want the report explained for you?

Blindspot is building a service that turns your report into a plain-English summary and reminds you to check again each year.

Join the waitlist

Sources

Last checked November 10, 2026.