• Injured at Work? What Now?

    If you have been injured in a workplace accident, here are several important steps you must take to get compensation for your injuries and lost wages.

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  • Trouble With Your Workers Comp Claim?

    If you have questions about your claim or if your worker's compensation claim has been denied our attorneys can help.

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  • What's Your Claim Worth?

    Not all work injuries claims are the same, some are worth more than others. We can help get you the most out of your claim.

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  • Do You Need an Attorney?

    Not sure if you need an attorney? Call us today and speak with an attorney for free. We can help answer your questions and get you on the right track.

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What Are ISO Reports

 

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We get asked all the time how the workers’ compensation insurance carrier knows about car accidents that injured workers have had in the past that they may not even remember themselves.  Insurance Services Office provides information for health insurance companies called ISO Reports. The Insurance Services Office (ISO) keeps a database of all property and casualty claims of any kind made for any reason, including both commercial and personal.  Therefore, all the insurance adjuster needs is your name and birth date and they can access the information in the database on any workers’ compensation injuries, car accidents, or personal injuries you may have suffered in any state that is included in the database.

It is not a foolproof system and mistakes can be made.  Sometimes, it will include a car accident under your name and birth date that you never had.  Parents and children are often mixed up. However, the insurance companies only use it as a starting place to look for information.  The ISO report itself cannot be used in court as proof that you had an injury that you did not have.   It is really just a tool to get more information about any past accidents or injuries you may have had.

So, it is important that when you are asked questions about any previous  injuries you have had, be honest.  And, if the insurance adjuster or attorney for the insurance adjuster seems to be adamant that you have had an accident that you have never had, you will know that the database is just wrong.

 

About the Author:

The Injured Workers Law Firm is a Richmond, Virginia based firm solely focused on serving clients with workers' compensation claims in Virginia. If you have questions about your benefits or if you would like more information on the Virginia workers’ compensation system, order our book, “The Ultimate Guide to Workers’ Compensation in Virginia” , or call our office today (804) 755-7755.