How do vehicle reports work?

How do vehicle reports work?

InsurifyAI generates comprehensive vehicle history reports by combining data from VINAudit and the NHTSA (National Highway Traffic Safety Administration) to give you a complete picture of any vehicle involved in your claim.

What's included

• Title history — Salvage titles, rebuilt titles, lemon law buybacks, and flood damage flags.
• Accident history — Prior accident reports, damage severity, and repair records from insurance and body shop databases.
• Odometer records — Verify mileage history and detect rollback fraud.
• Ownership history — Number of previous owners and registration transfers.
• NHTSA recalls — Open safety recalls that may be relevant to the cause of the accident.
• NHTSA complaints — Consumer complaints filed with NHTSA about the specific make/model/year.
• Theft records — Check against the NICB theft database.

How to use reports in your claim

• Prove pre-accident condition — A clean history report supports your argument that the vehicle was in good condition before the accident, countering insurer claims of pre-existing damage.
• Diminished value claims — A clean Carfax/VINAudit report before the accident vs. an accident record after establishes the basis for diminished value.
• Total loss disputes — Compare the VIN history with the insurer's valuation to identify undervaluation.
• Recall-related accidents — If an open recall is related to the accident cause, this strengthens a product liability argument.

Pricing

• Standard report: $9.99
• Premium report: $19.99 (includes deeper history and market comparables)
• Claims Action Package bundle: $79.99 (includes vehicle report + certified mail + notarization)

Reports are cached for 24 hours — running a second report on the same VIN within that window is free.