Orlando Harmon
A Comprehensive Loss Underwriting Exchange (CLUE) report contains information on auto and home insurance claims made within the last seven years. It is a summary of a person's auto or home insurance claim history that all major insurance companies consult when taking on a new customer. It is maintained by data analytics company LexisNexis, which allows insurers to see any claims that a new customer has filed within the last seven years. You can request a free copy of your report each year by contacting LexisNexis.
| Characteristics | Values |
|---|---|
| What is a CLUE report? | A summary of a person's auto or home insurance claim history. |
| Who maintains the CLUE database? | LexisNexis |
| What does the CLUE database do? | It lets insurers see any claims that a new customer has filed within the last seven years. |
| How can I get my CLUE report? | You can request it from LexisNexis online or by phone. |
| How much does a CLUE report cost? | It is free once a year under the Fair Credit Reporting Act. Additional reports cost $19.95 each. |
| What does a CLUE report include? | Date of loss, loss type and amount paid, insurance company name, policy number, and claim number. |
| What if there is an error in my CLUE report? | You can contact LexisNexis to dispute wrong information or add an explanation. |
| What if I can't remember which insurance company I've used in the past? | You can try to contact your state's Department of Motor Vehicles or your previous insurance company. |
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What You'll Learn
Contact your insurance company
If you want to see what's on your insurance report, you can contact your insurance company. They can print out a history of your insurance coverages and claims, or lack thereof, which is often called a letter of experience. This is a common way to obtain your auto insurance history.
If you need proof of insurance for a specific time period, you will need to contact the insurance company that covered you during that time to request it. Proof of insurance only provides coverage and dates, not a claims history.
You can also contact your insurance company if you believe there is an error in what they have reported to LexisNexis. They will investigate the errors and the nature of the dispute and remove any information that is found to be incorrect.
You can also request a copy of your CLUE Comprehensive Loss Underwriting Exchange report from your insurance company. This is a summary of your auto or home insurance claim history that all major insurance companies consult when they take on a new customer. You are entitled to one free copy of your LexisNexis CLUE report each year, while additional reports cost $19.95 each.
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Request a CLUE report
A CLUE report, or Comprehensive Loss Underwriting Exchange, is a summary of a person's auto or home insurance claim history. It is maintained by data analytics company LexisNexis, and all major insurance companies consult it when taking on a new customer. LexisNexis collects and reports up to seven years of auto insurance claims, as well as seven years of home insurance and personal property claims. This information is used to help inform pricing and underwriting decisions for the insurance industry.
You have the right to see what's in your CLUE report and can request a copy by contacting LexisNexis directly by phone or online. LexisNexis provides one free copy of their CLUE report each year, while additional reports cost $19.95 each. LexisNexis customer service representatives say there is no charge for customers to access additional copies of their own reports. To view your CLUE report, you must request your entire LexisNexis personal report.
If your current insurer has made an error in what they’ve reported to LexisNexis, you should contact them immediately and notify them of the error. LexisNexis will investigate the errors and the nature of the dispute and remove any information that is found to be incorrect. You can also add personal statements to your report to clarify claims or details.
Alternatively, you can obtain your auto insurance history directly from your insurance company. You can contact your previous insurance company (or companies) to request a print-out of your history of coverages and claims, also known as a letter of experience. If you need proof of insurance for a specific time period, you would need to contact the insurance company that covered you during that time.
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Understand its impact on insurance rates
Understanding the contents of your insurance report is crucial for managing your insurance rates. The report provides insights into your risk profile, which insurance companies use to determine your premium.
Your insurance report includes details such as your driving history, length of driving experience, prior insurance, claims history, location, age, gender, and annual mileage. These factors collectively contribute to assessing your risk as a driver. For instance, a history of moving traffic violations, at-fault accidents, and unpaid tickets can increase your perceived risk and, consequently, your insurance rates. Conversely, maintaining a clean driving record by practising safe driving habits will positively impact your insurance rates over time.
Location is another critical factor in your insurance report. Insurance companies consider local risks, such as traffic density, severe weather events, crime rates, and population size. These factors can cause fluctuations in insurance rates between different areas. For example, urban areas with higher traffic density and crime rates tend to have higher insurance premiums compared to rural areas, where accidents and claims are less frequent. Additionally, specific states may have unique insurance requirements, such as personal injury protection (PIP) coverage, which can significantly influence the cost of insurance.
Your insurance report may also contain information about your credit-based insurance score, which predicts the likelihood of filing a claim. While the use of credit scores for insurance pricing is prohibited in some states, it remains a factor in most states.
By regularly reviewing your insurance report and understanding the factors that influence your risk profile, you can identify areas for improvement and implement strategies to lower your insurance rates. This may include improving your driving record, choosing a higher deductible (if you're a safe driver), taking a defensive driving course, or comparing quotes from different insurance companies to find the best rates.
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Check for errors
It is important to check your insurance report for errors, as inaccuracies can impact your insurance rates. You can obtain your auto insurance history directly from your insurance company or your state's Department of Motor Vehicles. You can also request a copy of your CLUE (Comprehensive Loss Underwriting Exchange) report, which contains your auto or home insurance claim history. This report is generated by LexisNexis and used by insurance companies to assess your risk and set your premiums.
To check for errors, review your CLUE report for any inaccurate claims, outdated information, or incorrect payout amounts. If you find any discrepancies, you can dispute them by contacting LexisNexis through their website, phone, or mailing address. They will investigate the errors and remove any incorrect information. You can also add a personal statement to your report to clarify claims or provide additional context.
In addition to reviewing your CLUE report, you can obtain a copy of your driving record from your state's Department of Motor Vehicles and correct any errors following their procedures. If you need proof of insurance for a specific time period, you can contact your insurance company directly.
It is recommended to check your insurance report periodically and before shopping for new insurance policies to ensure accurate information and avoid potential rate increases due to errors or inaccuracies.
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Contact LexisNexis for a copy
LexisNexis maintains a database of reports that come in from insurance companies regarding insurance applications and claims. LexisNexis C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims information exchange. It collects and reports up to seven years of auto insurance claims, as well as seven years of home insurance and personal property claims. LexisNexis also collects and reports driving behaviour data for auto insurance pricing.
LexisNexis provides one free copy of their CLUE report each year, while additional reports cost $19.95 each. LexisNexis customer service representatives say there is no charge for customers to access additional copies of their own reports. You can request a copy of your report from LexisNexis Risk Solutions online or by phone. You can contact the LexisNexis consumer care centre by mail at: LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA 30348-5108. You can also contact LexisNexis Risk Solutions Consumer Disclosure by phone at 888-497-0011.
LexisNexis will send you a message via US Mail within the timeframe allowed by law. They will verify the information you provided with the information in their records. If they are unable to confirm your identity or connect the information you submit in your request with the personal information in their possession, they may not be able to comply with your request. If you do not receive a message via US Mail within 10 days, you can contact the LexisNexis Consumer Center at the number provided.
If your insurance company has sent you an adverse action letter, you can contact the LexisNexis Consumer Center at 1-800-456-6004 to request the information related to the adverse action. You will need to provide your first and last name, Social Security Number, driver's license number and state in which it was issued, date of birth, current home address and phone number. If your insurance carrier provided a reference number on the adverse action letter, providing it will help expedite the process.
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Frequently asked questions
You can obtain your auto insurance history directly from your insurance company. You can also request a CLUE report, which is a summary of your auto insurance claim history.
A CLUE (Comprehensive Loss Underwriting Exchange) report is a summary of a person's auto or home insurance claim history that all major insurance companies consult when they take on a new customer. It shows information like accidents, filed claims, and damage reports tied to you and your vehicle over the past seven years.
You can request a CLUE report through LexisNexis, either online or by phone. You are entitled to one free copy of your report each year.
If there is an error in your CLUE report, you should contact your insurer immediately and notify them of the error. LexisNexis will then investigate the errors and remove any information that is found to be incorrect.
