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Statutory reporting and child support reporting requirements

ISO ClaimSearch® acts as a centralized reporting organization for statutory reporting requirements in many states.

Auto and property claims
Currently, insurers in 21 states comply with statutory requirements by reporting fire losses under property policies above the statutory threshold to ISO ClaimSearch. Six states accept vehicle theft and salvage reporting through ISO ClaimSearch as compliance with statutory obligations. In addition, California and New Jersey have specific legislation involving reporting claims to a centralized database (ISO ClaimSearch).

Child support enforcement
States are focusing increasingly on child support enforcement and efforts to collect overdue child support payments. To accomplish that, states are creating statutes that call for insurers to either report claimant information through a centralized reporting agency or to check state child support websites before settling liability, bodily injury (including auto liability), or workers compensation claims above a certain threshold.

In all states but Massachusetts, insurers satisfy their state’s reporting requirements when they report to ISO ClaimSearch or participate in the ISO ClaimSearch Child Support Enforcement Agency Program and send the fields of information required by the state.

When insurers submit claims to ISO ClaimSearch, we check each claim against the database of delinquent obligors. If there is a match in the database and if the state child support enforcement entity intends to file a lien, the state notifies the company in the form of a lien or a withholding notice.

If there is no notice of a lien from the state at or before the time of settlement, there is no requirement to check the child support website. If a lien exists, a check of the child support enforcement website — or the entity filing the lien — will provide the current amount of arrearage to consider at the time of settlement.