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CLUE (Comprehensive Loss Underwriting Exchange)

CLUE is a report of claims information generated by LexisNexis®, a consumer-reporting agency. Insurance companies report claim information to LexisNexis®, such as the type of claim and how much they paid.

A CLUE report generally contains up to seven years of personal auto or personal property claims history.

What a CLUE report contains

Your name	Date of birth
Policy number	Date of loss
Type of loss	Amount the company paid
Description of the covered property	Property address for homeowner claims or specific vehicle information for auto claims

How insurance companies use CLUE reports

An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it'll offer you coverage and how much you'll pay. Insurance company studies show a relationship between past claims and claims you report in the future.

What companies report 

Insurance companies report all claims for which they:

• Pay out money
• Set up a file for a possible claim
• Formally deny a claim

LexisNexis® advises insurers not to report claims information when you contact them to simply ask a question about coverage or your deductible.

Get a free report

The Fair Credit Reporting Act entitles you to a free copy of your CLUE report. To request a copy, contact:

LexisNexis®, Consumer Center
Web:  personalreports.lexisnexis.com 
Phone: 1-888-497-0011

Note: If you need a CLUE report on a property you’d like to buy, the owner must request it.

Why ask for a report?

You can check for inaccurate or unrelated information that could be making you pay higher rates.  If you find mistakes, contact LexisNexis® Consumer Center at 1-888-497-0011. They'll verify your information with the reporting insurance company and notify you of the results within 30 days.

You can add an explanation to an item in the report that will show in all future reports.

Updated 01/27/2012