Erase Auto Insurance Claims History: A Step-By-Step Guide

If you're looking to get a new auto insurance policy, it's important to know your claims history. This is because insurance companies use your claims history to determine your rates and whether to give you coverage at all. A claims history that shows numerous claims could result in a higher premium or even denial of coverage.

Fortunately, there are a few ways to check your auto insurance claims history. One way is to ask your previous or current insurer for a letter of experience, which details your policy information, claims filed, and how they were settled. Another way is to order a Comprehensive Loss Underwriting Exchange (CLUE) report from LexisNexis, which contains your claims history for the past seven years. With your claims history in hand, you can confidently begin your search for a new auto insurance company.

Request a letter of experience from your insurance company

A letter of experience is a document that contains a detailed history of your dealings with an insurance company. It is like a letter of recommendation, providing potential insurers with important information about your insurance history. It can be requested from your current and previous insurance providers.

The process of requesting a letter of experience is straightforward. All you need to do is ask your insurance company for one. It is recommended to request a letter of experience each time you switch providers to ensure you have an updated record of insurance.

• The names of all people insured on the policy
• The address of the "risk" covered (if you insured a home)
• The vehicle and serial number (if you're looking for car insurance)
• The start and end dates of the policy
• All claims made against the policy
• Claim details, such as the type of claim, the date it was filed, and any fault determination
• Any injuries claimed
• Information on why the policy ended (if applicable)

A letter of experience must be printed on the company's letterhead and signed by an authorized representative to be considered valid.

It is important to note that individual providers draft letters of experience, so the information included may vary slightly.

Request a CLUE report from LexisNexis

To request a CLUE (Comprehensive Loss Underwriting Exchange) report from LexisNexis, you can contact LexisNexis directly by phone or online. The CLUE report is a document about your claims history, generated by the consumer reporting agency LexisNexis. It contains up to seven years of claims history for auto and home insurance policies.

To request the report by phone, call LexisNexis's toll-free number at 1-866-897-8126 or 866-312-8076. You are entitled to one free copy of your CLUE report every 12 months, and requesting it will not affect your credit score. After submitting your request, you will receive a letter via mail with details on how to access your report online.

Alternatively, you can request your CLUE report online by submitting an online request form. Once your request has been processed, you will receive a letter via mail with instructions on how to access your report.

LexisNexis may not be able to comply with your request if they cannot confirm your identity or match the information you provide with the information in their records.

Access your records through the Claims and Underwriting Exchange (CUE)

To access your auto insurance claims history, you can request your records through the Claims and Underwriting Exchange (CUE), also known as the Comprehensive Loss Underwriting Exchange (CLUE). The CLUE report is a document about your claims information, generated by the consumer reporting agency LexisNexis.

The CLUE report contains up to seven years of claims history for auto and home insurance policies. It includes your insurance policy number, all claims information (such as the date and type of loss, and the amount paid), and details about the covered property.

You can request a copy of your CLUE report by contacting LexisNexis directly by phone or online. You are entitled to one free copy of your report every 12 months, and requesting it will not hurt your credit score.

Having access to your past claims records can help you understand whether your auto insurance payments are likely to be high or low, giving you a better idea of how much to budget for car insurance each month. It can also help you identify any errors or omissions in your profile that may be causing your rates to be higher than they should be. For example, accidents that were not your fault but for which you were initially deemed at fault.

If you find any inaccuracies in your CLUE report, you can dispute them through LexisNexis.

Request data from the no-claims discount database

To request data from the No Claims Discount (NCD) database, you can contact Experian, the company that hosts the database. The NCD database is a centralised database of records associated with any individual's no-claims discounts. It allows insurance companies to validate the 'no claims' history declared by individuals during the quotation, underwriting, and claims processes.

• Visit the Experian website or contact their customer support.
• Provide the necessary identification information to verify your identity.
• Request access to your No Claims Discount data.
• Experian will provide you with the relevant information from the NCD database.

It is important to note that the NCD database is specific to the UK and was launched in 2013. If you are located outside the UK, the process of obtaining your no-claims discount data may vary. Additionally, insurance companies may have different methods for proving your no-claims discount, so it is recommended to check with your insurance provider about their specific requirements.

Contact your state's Department of Motor Vehicles

If you can't remember which insurance company you've used in the past and need an auto insurance history, you can contact your state's Department of Motor Vehicles (DMV). They may have information on your previous insurance policies. The DMV can also provide a copy of your motor vehicle record (MVR), which can clear up any questions about tickets or accidents.

To obtain your auto insurance history, you can also contact your previous insurance company (or companies). They can print out a history of your auto insurance coverages and claims (or lack thereof). This is often called a letter of experience.

Frequently asked questions