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Can insurance companies run a carfax report on your vehicle without consent?

Insurance companies can only access or run a Carfax report on your vehicle with your authorization and consent for certain legitimate purposes like assessing risk factors determining premiums, underwriting, etc. They are bound by laws, including fair information practices acts and consumer reporting statutes ensuring consumer protection. Without your expressed permission, insurers can't pull up or utilize vehicle history through services like Carfax for their personal evaluations.