For Consumers

CLUE (Comprehensive Loss Underwriting Exchange)

What is CLUE?

CLUE is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report generally contains up to seven years of personal-auto and personal-property claims history.

What a CLUE report contains

The report contains the following claim information provided by your insurance company:

  • 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

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 insurance companies not to report claims information when you contact them to simply ask a question about coverage or your deductible.

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.

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
Request your personal report online (www.lexisnexis.com)
Call 866-312-8076

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 premiums. If you find mistakes, contact LexisNexis Consumer Center at 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.