CLUE (Comprehensive Loss Underwriting Exchange)
CLUE is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report generally contains up to seven years of personal-auto and personal-property claims history.
What a CLUE report contains
The report contains the following claim information provided by your insurance company:
|Your name||Date of birth|
|Policy number||Date of loss|
|Type of loss||Amount the company paid|
|Description of the covered property||Property address for homeowner claims or specific vehicle information for auto claims|
What companies report
Insurance companies report all claims for which they:
- Pay out money
- Set up a file for a possible claim
- Formally deny a claim
LexisNexis advises insurance companies not to report claims information when you contact them to simply ask a question about coverage or your deductible.
How insurance companies use CLUE reports
An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it'll offer you coverage and how much you'll pay. Insurance company studies show a relationship between past claims and claims you report in the future.
Get a free report
The Fair Credit Reporting Act entitles you to a free copy of your CLUE report. To request a copy, contact:
LexisNexis, Consumer Center
Request your personal report online (www.lexisnexis.com)
Note: If you need a CLUE report on a property you’d like to buy, the owner must request it.
Why ask for a report?
- You can check for inaccurate or unrelated information that could be making you pay higher rates. If you find mistakes, contact LexisNexis Consumer Center at 888-497-0011. They'll verify your information with the reporting insurance company and notify you of the results within 30 days.
- You can add an explanation to an item in the report that will show in all future reports.