I'm 18, I live by myself (crappy parents), and I do hard manual labor everyday to afford my rent and bills. In December I had a car that I wrecked by accident from hydroplaning while taking a turn. This month I was t-boned by another car that I didn't see while crossing a stop sign.Both my fault, yet both genuine accidents that could happen to anyone. However because they both happened within so soon of a time frame and because I'm 18 most insurance companies won't insure me and the ones that do want $300-$600 a month, and that's just for liability.
Right now a nice family who my boss and I know and who lives close to my bosses house is letting me stay with them and I walk to my bosses house every morning to go to work. However this is just until I get my check from insurance company. After that they expect me to get a car and get back on my feet however I can't afford $600 a month or even $300.
I know a little bit about how insurance companies work by doing research and found that there is a company called LexisNexis that provides risk management services and that most insurance companies use to assess the risk of certain clients and deny coverage. I assume my insurance company uses this service or a similar one. I also know that if I file a claim, even if I switch insurance companies they will still know about my previous claims because of this service.
So anyway to the point. Does anyone know of a way or a legal loophole where I can have my information removed from risk management services like LexisNexis, I know I can dispute it, but if I do the risk management company will just go back to my insurance company and find the truth. If there is not a legal why to do it, out of curiosity and hypothetically speaking is there a way to do it illegally such as new identity or something like that.
If I don't figure this out I wont be able to afford rent this month.
p.s. the picture is very similar to what happened to me. also this is my first post on Veeky Forums.
