You can request a CLUE (Comprehensive Loss Underwriting Exchange) report through LexisNexis, either online or by phone. The report is free once a year under the Fair Credit Reporting Act. It provides a record of past auto insurance claims tied to you or your vehicle.
- The comprehensive loss underwriting exchange (C.L.U.E.) is a database kept by LexisNexis Risk Solutions.
- Any claim you file for loss against your car or homeowners’ insurance policy is added to the national database. That helps other insurance companies understand your claims history before issuing a new policy.
- You can obtain your C.L.U.E report by calling LexisNexis Services at l-800-458-9197 or emailing [email protected].
What is a CLUE report?
A CLUE report is a record of your auto insurance claims history. It shows information like accidents, filed claims, and damage reports tied to you and your vehicle over the past seven years. Insurance companies use your CLUE report to help assess risk and determine your car insurance rates.
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 do I get a copy of my CLUE report?
You can obtain your C.L.U.E report by calling LexisNexis Services at l-800-458-9197 or emailing [email protected]. The personal reports section of the LexisNexis website also tells you how to order a copy of the report through the mail or view the report online. LexisNexis is the report provider and 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.
- For example, if you file a claim for loss against your car insurance policy, 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 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 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.
— Michelle Megna contributed to this story.
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