If errors on your CLUE report are driving up your car insurance rates, you’re not alone. The CLUE (Comprehensive Loss Underwriting Exchange) report is a key tool insurers use to evaluate your risk and set your premiums, so even small mistakes can cost you big.
Whether you’ve spotted inaccurate claims or outdated information, correcting your CLUE report can help you secure lower rates and ensure you’re being judged fairly by insurers. In this guide, we’ll walk you through what a CLUE report is, how to check yours and the steps to take if something doesn’t look right.
- 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 calling the company or placing an online order.
- To obtain a free copy of your driving record, contact your state’s motor vehicle department.
What is a CLUE report?
Car insurance companies contribute information on claims to a database called CLUE Insurance companies use the claims history information for drivers when pricing policies. The more accident claims you have, the more your car insurance will cost. That’s why it’s essential to be sure the report is accurate.
The Comprehensive Loss Underwriting Exchange, compiled by LexisNexis Risk Solutions, or CLUE report, will show the claims made by a driver over the past seven years.
Your CLUE report typically includes the following information about you and your vehicle:
- Name and date of birth
- Policy number
- Any claims on your record (including dates of loss, types of loss and amounts paid)
- Home or other vehicles insured
- Make/model/trim
It should not include credit, criminal or civil lawsuit information.
How do you check your driving record?
Car insurance companies review your driving record regularly. If you have accidents or violations, the insurance company will determine that 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.
How to fix your CLUE report
You can get a free CLUE report once a year by either calling LexisNexis or ordering one from its website. If you discover an error on your CLUE report, contact LexisNexis 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 CLUE report deserves an explanation, you may submit a personal statement that LexisNexis will add to all future CLUE reports.
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.
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