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How do I obtain my CLUE Report?


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

C.L.U.E. stands for comprehensive loss underwriting exchange and is a database that allows automobile and homeowners insurance providers to exchange information - without notice to you - about claims for loss of property. (C.L.U.E. is a registered trademark of LexisNexis Risk Solutions, who acquired it from ChoicePoint in 2008, but it is commonly referred to as a CLUE report).

Under the Fair and Accurate Credit Transaction Act (known as FACT or FACTA), you are entitled to receive one free C.L.U.E. Auto and C.L.U.E. Personal Property report every 12 months.

How does the C.L.U.E. report work and how do I get a copy of mine?

You can obtain your C.L.U.E report by calling LexisNexis Services at 1-866-312-8076. The personal reports section of the LexisNexis website also tells you how to order a copy of the report through the mail or, easiest of all, view the report online. LexisNexis is the provider of the report, and is the only company that discloses this report.

Here's a simple example of how the exchange system works:

  • On a monthly basis, insurance companies feed information about property loss claims, even inquiries about coverage, into a central database.
  • The database is maintained by an information vendor, not another insurance company.
  • If you file a claim for loss against your car insurance policy, for example, the insurance company adds this information to the national database.
  • If you compare insurance companies and apply for homeowners insurance or car insurance with another company, the new insurance company can access the central database and learn of your past claims.
  • The consumer report shows the new insurer information about any claims you filed under your previous insurer's policy. C.L.U.E. reports also include information about inquiries you made, even if a claims were never submitted or paid.

When you or your insurance company requests a C.L.U.E report, it will include all losses reported within the past seven years from the date of the request. The basic information given is the date of loss, loss type and amount paid, along with general information such as your insurance company name, policy number and claim number.

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12 Responses to "How do I obtain my CLUE Report?"
  1. karl holliday

    was told I was in a accident in 2016, and I was not

  2. Denise m Collins

    Are losses reported by license number or by address?

  3. George

    Can one get a CLUE report based on a vehicle VIN number?

    1. Carol Abel March 25, 2017 at 9:17 PM

      Can one get a CLUE report based on a vehicle VIN number?

        Reply »  
  4. Nona

    I had an auto accident in California with a drunk driver who had no insurance and no license. She left the scene. My insurance did not say I was at fault, CHP did not say I was at fault, but my CLUE report has it as my fault and I just learned this. How do I get it removed?

    1. russ December 09, 2016 at 9:58 AM

      Why is an incident reported on a CLUE report if you're not at fault? That does not seem fair.

        Reply »  
  5. Visitor

    I have a at-fault accident that is not right, how can I find out who put it on clue?

  6. Anonymous

    I was trying to find another way on getting my clue report other than going online to get it but apparently thats the only way. Isnt there a local office where I can obtain these records?

  7. Anonymous

    Outdated info. Lexis/Nexis owns Clue

  8. Anonymous

    Great site!

  9. Anonymous

    I was looking for the clue report not insurance.

  10. Anonymous

    I know what the clue report is. I am trying to get a copy of it. Not have my time wasted by someone trying to sell something!!!!!!!!

Disclaimer: Answers and comments provided are for information purposes. They are not intended to substitute informed professional advice. These responses should not be interpreted as a recommendation to buy or sell any insurance product, or to provide financial or legal advice. Please refer to your insurance policy for specific coverage and exclusion information. Please read our Terms of Service.

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