We’re all familiar with the idea and impact of a credit report, but there’s a similar report used to track your insurance history. A C.L.U.E. report is a record compiled by the insurance industry to keep track of claims you file. Insurance companies look at your report to determine how risky it is to protect your property and how much they’ll charge you for coverage.
A Comprehensive Loss Underwriting Exchange (C.L.U.E.) report contains information on auto and home insurance claims made within the last seven years. When you file a claim, your insurer documents details like the claim date, type and payout amount.
LexisNexis is a research firm that collects the data and generates C.L.U.E. reports for insurance companies.
There are three types of C.L.U.E. reports: auto, property, and commercial. A CLUE auto report includes info on personal automobile claims, and a CLUE property report shows info on personal property claims. These reports share details about any claim(s) disclosed by insurers, including the:
C.L.U.E. auto reports include car details like the year, make, model and vehicle identification number (VIN) of any car associated with you. Your report also includes identifying information about you such as your name, date of birth, known email addresses, phone numbers, and residential addresses.
LexisNexis relies on insurance companies to share claims data to generate C.L.U.E. reports. And every company that contributes C.L.U.E. data can also view the data on your C.L.U.E. report.
Insurance companies can search through claims information provided by other insurers and access individual C.L.U.E. reports. Typically, insurance companies use C.L.U.E. reports to underwrite new policies. Seeing claims history when underwriting new policies helps the companies determine how risky it is to take on new customers.
As a consumer, you can obtain a copy of your reports. If you’ve never made an insurance claim, you’ll most likely have a claims-free report. But sometimes C.L.U.E. report can contain inaccurate information.
I recommend reviewing your report once a year to verify the information being reported is correct. It also gives you an opportunity to add an explanation to an entry or dispute inaccurate information. If you want to see what your CLUE report says, I’ve included the steps for requesting your C.L.U.E. report below. It is easy to do online, and it is FREE!
You can request your C.L.U.E. Report at LexisNexis Consumer Report Request or Search for LexisNexis Consumer Portal
Complete the required information fields online. If you would like to have a link emailed to you where you can view your report, then you will need to enter an Email Address.