Every time you file a car insurance claim, the loss gets added to a database called C.L.U.E. A C.L.U.E. report, which stands for a Comprehensive Loss Underwriting Exchange, is a record of the personal auto and personal property claims you’ve made.
Insurance companies reference C.L.U.E. when underwriting and pricing car insurance policies. Because your past claim history directly impacts your car insurance premium, your C.L.U.E. report must be accurate.
“Like your credit report, it’s a good idea to review your C.L.U.E. report every once in a while to avoid unpleasant surprises. It’s important for the information on the report to be accurate, as this is what insurers use to assess risks for insuring property and vehicles,” says Will Pemberton, owner and personal injury attorney at Wisconsin-based Pemberton Personal Injury Law Firm.
If your C.L.U.E. report contains errors, it could lead to claims denials, canceled coverage and inaccurate rates.
In this article, we’ll explain how to fix incorrect information on your C.L.U.E. report and what to do if your insurance company won’t correct the error.
CarInsurance.com Insights
- Your C.L.U.E. report contains a record of the car insurance and property insurance claims you’ve made during the past seven years.
- All drivers can access a free C.L.U.E. report once per year through LexisNexis Risk Solutions.
- It’s important to dispute inaccurate information on your C.L.U.E. report because your loss history is used to determine your car insurance premium.
How to fix incorrect information on your C.L.U.E. report
Here are the steps you should follow if you want to dispute an inaccuracy on your C.L.U.E. report:
- Contact LexisNexis Risk Solutions: If you discover an error on your CLUE report, such as an invalid claim report or an incorrect loss payment, you can contact the company by calling 888-497-0011 or visiting the LexisNexis Risk Solutions website to report the problem.
- Gather supporting documents: To dispute an error on your C.L.U.E. report, you must submit supporting documentation for your case. Pemberton says, “Sending police reports, repair receipts, insurance letters, claim closures and any similar documents is advised. The more official the documentation and specific to your case, the better it will be for correcting the report.”
- Wait for an update: LexisNexis Risk Solutions will contact your insurance company on your behalf, ask for clarification and notify you of the results within 30 days. If the dispute is verified, the loss will be removed from your C.L.U.E. report. If the request was denied, the mark will remain on your report.
- Follow up with your car insurance company: 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 update your car insurance premium.
What if your insurer won’t correct the claim?
If your C.L.U.E. report contains wrong information, you could be paying a much higher insurance premium than you should. Correcting incorrect information is the best way to lower your rate. However, if your car insurance company refuses to correct inaccurate information on your C.L.U.E. report, there are a few things you can do:
- Add a personal explanation: If you believe an item on your C.L.U.E. report deserves an explanation, you can submit a personal statement that LexisNexis Risk Solutions will add to all future C.L.U.E. reports. For example, if you have a claim for an at-fault accident on your record that was determined to be not your fault, you could add a note to your C.L.U.E. report for future insurers.
- Escalate the incident to the state insurance department: If an erroneous claim affects your insurance premium or ability to get car insurance, Pemberton recommends taking the case to your state insurance department for a resolution. You must resubmit information about the situation and supporting documentation verifying your request. The state insurance department will review the case and can help you get the claim removed.
How to request your C.L.U.E. report
Under the Fair Credit Reporting Act (FCRA), you can get one free C.L.U.E. report each year from LexisNexis Risk Solutions.
You can complete this form on the company’s website to order your free C.L.U.E. report. You can also call LexisNexis Risk Solutions at 888-497-0011.
Your C.L.U.E. report will contain all the auto insurance and property insurance claims that you’ve filed within the last seven years.
What is a C.L.U.E. report?
LexisNexis Risk Solutions maintains a C.L.U.E. report for every driver, even if they’ve never filed an auto insurance claim. Your C.L.U.E. report typically includes the following information:
- Your name and date of birth
- Car insurance policy number
- Information about claims on your record, including dates of loss, types of loss and amounts paid
- Details about the condition and value of your car
Insurance companies use C.L.U.E. reports when underwriting auto insurance policies. The more claims a driver has filed in the past, the riskier they are to insure. That’s why drivers with multiple claims on their record typically pay more expensive rates than those without claims.
“Like credit reports, claims usually stay on your C.L.U.E. report for seven years, though some states may have additional rules on this time period,” Pemberton says.
It should not include credit, criminal or civil lawsuit information.
It’s important to note that your C.L.U.E. report differs from your state DMV driving record. Your driving record contains information about past traffic violations, like speeding tickets and accidents. However, it doesn’t typically include information about insurance claims.
What does ‘C.L.U.E. only’ mean on a driving record?
If you see the term “C.L.U.E. only,” it usually means that an insurance company exclusively uses the information on your C.L.U.E. report to underwrite your policy. Factors besides your claim history, like your age, credit-based insurance score and vehicle type, wouldn’t be considered when calculating your premium.
Frequently asked questions
How can I get a copy of my claims history?
To get a copy of your claim history, you can order one free C.L.U.E. report per year from LexisNexis Risk Solutions. You can also request a copy of your claim history from your insurance company.
What if I see a claim I didn’t make?
If your C.L.U.E. report shows a claim you didn’t make, you should dispute the error. Contact LexisNexis Risk Solutions to start the process of disputing the claim. Once the claim is removed, follow up with your insurer to get a new quote.
Can I remove a claim that was denied or not paid?
It depends. You can’t remove a claim you filed that was denied or wasn’t paid out. Those claims will remain on your record. However, you can request that a claim be dropped from your record if you believe your insurance company acted in bad faith.
How long do claims stay on the C.L.U.E. report?
Insurance claims stay on your C.L.U.E. report for seven years. Any losses you had before the seven-year period won’t appear on your report and won’t be considered when insurers underwrite policies.
Resources & Methodology
Sources
- Consumer Financial Protection Bureau. “LexisNexis C.L.U.E. & Telematics OnDemand.” Accessed July 2025.
- LexisNexis Risk Solutions. “LexisNexis® C.L.U.E.® Auto.” Accessed July 2025.
- Washington State Office of the Insurance Commissioners. “CLUE (Comprehensive Loss Underwriting Exchange).” Accessed July 2025.
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