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Written by:
Laura Longero
Executive Editor
Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

Car insurance companies contribute information on claims to a database called C.L.U.E. Insurance companies use the claims history information for drivers when pricing policies. The more accident claims you have, your car insurance will cost. That’s why it’s essential to be sure the report is accurate. 

You can get a free C.L.U.E. report once a year by either calling LexisNexis or ordering one from its website.

Key Highlights
  • Typically, your auto insurance rate will increase as you file more accident claims. 
  • Once a year, LexisNexis offers a free CLUE report that can be obtained by phoning the company or placing an online order. 
  • To obtain a free copy of your driving record, contact your state’s motor vehicle department. 
  • CarInsurance.com can assist you in comparing auto insurance quotes and locating the best coverage for your needs, even if you have moving offenses on your driving record.

What is a C.L.U.E. report?

The C.L.U.E. acronym, commonly called CLUE, stands for a Comprehensive Loss Underwriting Exchange and is compiled by LexisNexis Risk Solutions. The CLUE report will show the claims made by a driver over the past seven years.

Your CLUE report typically includes the following:

  • your name and date of birth
  • policy number
  • information about any claims on your record – including dates of loss, types of loss and amounts paid 
  • if you’ve insured a home or rental or a car
  • details about the condition and value of your car 

It should not include credit, criminal or civil lawsuit information.

How to fix your CLUE report

If you discover an error on your CLUE report, for example, an invalid claim report or an incorrect loss payment, you can contact LexisNexis directly by calling 888-497-0011 or 866-312-8076 and report the problem.

LexisNexis will contact the insurance company on your behalf, ask for clarification, and notify you of the results within 30 days. If you feel an item in the C.L.U.E. report deserves an explanation, you may submit a personal statement that LexisNexis will add to all future C.L.U.E. reports.

It’s also wise to check your driving record for the same reasons. Car insurance companies review your driving record, and if you have accidents or violations, the insurance company will determine there is a good chance you will file claims, which costs the company money. That means the insurance company will charge you more to help cover its expenses.

You can contact your state’s Department of Motor Vehicles to get a free copy of your driving record. Each state has its procedure for correcting any errors on driver records. For example, if your driving record contains incorrect information about a traffic violation in California, you must request a correction by completing a Driver License Record Correction Request. For accidents, you would fill out the Traffic Accident Record Correction Request.

If you make corrections to your CLUE report and/or motor vehicle record, notify your auto insurance company so it can pull these reports again and obtain accurate information to price your car insurance.

Laura Longero

Ask the Insurance Expert

Laura Longero

Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.

John McCormick

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John McCormick

Editorial Director

John is the editorial director for CarInsurance.com, Insurance.com and Insure.com. Before joining QuinStreet, John was a deputy editor at The Wall Street Journal and had been an editor and reporter at a number of other media outlets where he covered insurance, personal finance, and technology.

Leslie Kasperowicz

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Leslie Kasperowicz

Managing Editor

Leslie Kasperowicz is an insurance educator and content creation professional with nearly two decades of experience first directly in the insurance industry at Farmers Insurance and then as a writer, researcher, and educator for insurance shoppers writing for sites like ExpertInsuranceReviews.com and InsuranceHotline.com and managing content, now at CarInsurance.com.

Nupur Gambhir

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Nupur Gambhir

Managing Editor

Nupur Gambhir is a content editor and licensed life, health, and disability insurance expert. She has extensive experience bringing brands to life and has built award-nominated campaigns for travel and tech. Her insurance expertise has been featured in Bloomberg News, Forbes Advisor, CNET, Fortune, Slate, Real Simple, Lifehacker, The Financial Gym, and the end-of-life planning service.

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author image
Executive Editor

Laura is an award-winning editor with experience in content and communications covering auto insurance and personal finance. She has written for several media outlets, including the USA Today Network. She most recently worked in the public sector for the Nevada Department of Transportation.