CLUE Reports in 2024 (Definition & Implications)
The CLUE report, or Comprehensive Loss Underwriting Exchange report, is crucial for assessing auto insurance risk. It details up to seven years of claims history, which over 95% of insurers rely on. Reviewing your CLUE report online is essential to understand its impact on your insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
UPDATED: Nov 6, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Nov 6, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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Covering up to seven years, the report includes details on claim types, dates, costs, and claim status—whether paid or denied. Errors in your CLUE report can lead to costly premiums, explaining why your auto insurance rates keep going up every year despite a clean driving record.
Accessing your CLUE report online through LexisNexis allows you to confirm its accuracy and dispute any incorrect information impacting your rates. To find specific information and regional insurance options, enter your ZIP code above to explore ways to manage and verify the details in your CLUE report.
- CLUE reports track up to seven years of insurance claims history
- Errors in your CLUE report can raise your auto insurance rates
- Access your CLUE report online to review and dispute inaccuracies
Decoding the CLUE Auto Report: What You Need to Know
What is a CLUE report? A CLUE auto report provides a detailed history of any claims you’ve filed under your auto insurance over the past five to seven years.
Each CLUE report outlines claim details such as the type of incident, the amount paid, and whether the claim was approved or denied. Errors in your CLUE report, like unfiled claims or incorrect payouts, can significantly affect your insurance rates, making it essential to review your report regularly for accuracy.
A CLUE, or Comprehensive Loss Underwriting Exchange report, is a specialized statement made for insurance companies with information regarding any claims made by policyholders over the previous five to seven years.Tracey L. Wells Licensed Insurance Agent & Agency Owner
You can access your CLUE report online through LexisNexis and dispute any incorrect information that might be inflating your rates.
LexisNexis runs the CLUE motor vehicle report exchange for insurance companies. Nearly all (99%) of auto insurance companies regularly report and subscribe to the LexisNexis CLUE report when underwriting policies and deciding how risky an existing or potential driver may be.
Read More: How Auto Insurance Companies Check Driving Records
Essential Details Found in a CLUE Report
A CLUE driver report, commonly called a C.L.U.E. report, is an essential tool insurers use to evaluate the risk of insuring a driver or property owner. This report presents a clear, organized overview of critical information influencing insurance premiums and coverage decisions.
The report typically includes:
- Name of Driver/Property Owner: This identifies the individual who holds the insurance policy and may be responsible for any claims made.
- Address of Insured: The physical address helps insurers assess geographical risk factors, such as crime rates or weather-related issues that could impact claims.
- Date of Birth: This information assists insurers in understanding the driver’s age, which can be a significant factor in risk assessment.
- Social Security Number: This number is used for identity verification, ensuring that the report accurately corresponds to the correct individual.
- Previous Insurance Claims: The report details all past claims made by the insured, including the amount paid out by the insurer. This history is crucial as it reflects the driver’s risk profile; a higher number of claims may indicate a greater likelihood of future claims.
- Refused Claims: It lists any claims denied by insurance companies, providing insight into potential issues or red flags regarding the insured’s history.
- Inquiries Regarding Serious Matters: This section documents any inquiries the insured has made regarding serious matters with their insurance provider, helping insurers gauge how proactive the driver is about managing their coverage.
Each CLUE vehicle report presents a comprehensive view of an individual’s claims history and indicates the status and cost associated with each claim. Insurers rely heavily on this information to determine the likelihood of future claims and establish premium rates.
A driver with a clean CLUE report may enjoy lower auto insurance premiums. At the same time, those with a history of claims might face higher rates. This emphasizes the importance of regularly checking and maintaining an accurate CLUE report.
Read More: How to Lower Your Auto Insurance Rates
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How to Check Your CLUE Car Insurance Report
Now, you may be wondering how to get your CLUE report. It’s easy to get your CLUE report online for free. Call 800-869-0751 for more information about receiving your LexisNexis CLUE car accident report.
Visiting the LexisNexis website may not allow immediate access to your auto CLUE report, but you should receive it in the mail within a few weeks. If you need this information quickly, your best bet is to call them.
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Fortunately, obtaining your annual CLUE insurance report is free. You’re entitled to know what’s on your CLUE report and dispute any incorrect insurance information, as sometimes common names can lead to subrogation issues that affect your claims history.
Just about every car insurance company will report claims to CLUE. It’s in every company’s best interest to have up-to-date information and eliminate any gaps that might reveal the downsides to insuring any particular person.
They also view a history of accidents and claims as proof that more will happen. You may be penalized financially in the future, even if you were not at fault, depending on how expensive your claim is.
Read More: How long does an accident stay on your record?
What You’ll Find on a CLUE Report
What does a clue report show? A CLUE car insurance report shows the type of claim, current status, and the names of the involved parties with sensitive information redacted.
Full Coverage Auto Insurance Monthly Rates for Clean Record vs. One Accident
| Insurance Company | Clean Record | One Accident |
|---|---|---|
| Allstate | $160 | $225 |
| American Family | $117 | $176 |
| Farmers | $139 | $198 |
| Geico | $80 | $132 |
| Liberty Mutual | $174 | $234 |
| Nationwide | $115 | $161 |
| Progressive | $105 | $186 |
| State Farm | $86 | $102 |
| Travelers | $99 | $139 |
| U.S Average | $119 | $173 |
State governments oversee insurance and privacy rights. Find out how to check your auto insurance claims history. Contact your state’s insurance commissioner if you have questions regarding your auto insurance claims history report.
CLUE Report Codes and What They Mean
Reading a data-intensive report like CLUE might be daunting to most people who are unfamiliar with them. Shorthand notations, known as C.L.U.E. report codes, are used to describe the sorts of insurance claims made, their current status, and other particulars about each claim.
Common Auto Insurance Codes on a CLUE Report
| Type of Insurance | CLUE Report Code |
|---|---|
| Bodily Injury | BI |
| Collision | CO |
| Comprehensive | CP |
| Medical Payments | MP |
| Personal Injury Protection | PI |
| Property Damage | PD |
| Property Damage | PD |
| Underinsured Motorist | UN |
| Uninsured Motorist | UM |
The CLUE report codes for auto insurance are distinct from those for CLUE reports for property insurance, so look out for abbreviations of specific types of auto insurance coverage and annotations describing damage-causing events.
How to Challenge and Overturn CLUE Report Errors
If you’re wondering how to dispute a LexisNexis insurance report, simply call LexisNexis at 1-888-497-0011 or 1-866-312-8076 to report LexisNexis incorrection information in your CLUE reports, such as an invalid claim report or an improper loss payment.
You may also wonder how to get your own Lexis Nexis report. You should be able to get a copy of your CLUE claims history report from LexisNexis.
The insurance provider will then be contacted on your behalf by LexisNexis, who will seek clarification on the situation and let you know the outcome within 30 days. You are welcome to submit a personal comment that LexisNexis will include in all subsequent CLUE reports if you believe that something in the report needs to be explained.
For the same reasons, it’s a good idea to examine your driving record. Car insurance companies check your driving record when determining rates. Any violations or accidents increase the likelihood of you filing a claim in the future, resulting in financial loss for them. This means higher auto insurance rates for you.
After receiving a letter from my insurer that my good driver discount would drop due to a false CLUE auto insurance report, I contacted LexisNexis with my CLUE report dispute. They promptly removed the CLUE driving report, and my insurance company restored the discount afterward.Daniel S. Young Insurance Content Team Lead
Now that you know how to dispute a claim on the LexisNexis report, we’ll overview some other suggestions as you write your report.
CLUE Report Suggestions
You might look for erroneous or unconnected information, which could cause you to pay higher premiums. If you discover any errors, call the LexisNexis Consumer Center at 888-497-0011 or 866-897-8126. They will advise you of the findings within 30 days after verifying your information with the reporting insurance provider.
You can also add an explanation of a report item, which will appear in all upcoming reports. One of the frequent mistakes concerns claims the insurance company did not pay. Even if you paid for it, your CLUE report might reflect that. By contacting LexisNexis, you can resolve such disagreements.
CLUE, however, is not identical to a motor vehicle report (MVR). An MVR deals with the driver’s driving history and other facts; specific details of both may be comparable. The last three years’ worth of driving history is included in the MVR, which costs money. In other words, traffic infractions are not the main subject of a CLUE report.
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The Importance of Your CLUE Report in Auto Insurance
Your CLUE report is vital in determining your auto insurance premiums. Offering a comprehensive overview of your insurance claims history helps insurers assess the risk of insuring you. For a deeper look at how your claims history impacts your rates, check out our article, “Factors That Affect Auto Insurance Rates.” It breaks down the key elements that can drive up or lower your premiums.
Regularly reviewing your CLUE report allows you to identify and dispute any inaccuracies that could lead to inflated premiums. With over 95% of insurers utilizing this report, maintaining its accuracy is essential for potential savings.
To gain further insights into your auto insurance options and how your CLUE report affects them, enter your ZIP code below to explore tailored information in your area.
Frequently Asked Questions
What is a CLUE report?
CLUE is a claims-information report created by consumer reporting company LexisNexis. The CLUE report for insurance typically includes a history of auto and personal property claims going back up to seven years.
How can I get a car’s CLUE report?
You may get your CLUE report for auto insurance by contacting 1-866-897-8126 or visiting the LexisNexis website. For further insights, check out our article “Best Auto Insurance Companies That Use LexisNexis,” highlighting insurers relying on this crucial information to determine your rates and coverage options.
Why is a CLUE driving report important?
A LexisNexis auto report is important because it helps insurance companies evaluate the claims history of a property or vehicle owner. It provides insights into the likelihood of future claims and helps determine insurance premiums and eligibility for coverage. Potential buyers or lenders may also request a CLUE LexisNexis report to assess the risk associated with a property or vehicle.
How can I obtain a copy of my CLUE report?
To obtain a copy of your LexisNexis auto insurance CLUE report, you can request it directly from LexisNexis, the company that maintains the CLUE database. You can visit their website or contact their customer service to initiate the request process. You will need to provide personal information and possibly pay a fee, depending on your state’s minimum insurance requirements.
Can I get a CLUE report online?
You might be wondering how to get a CLUE report online. Yes, you can view a CLUE report online by visiting the LexisNexis website and navigating to the Consumer Portal.
Do all insurance firms provide information to CLUE?
Nearly all MVR CLUE reports are used to evaluate and underwrite new insurance contracts. Due in large part to the fact that they already have loss records for these properties in their own database, most insurers renewing existing policies do not examine CLUE reports at renewal.
Can I check my CLUE report for free?
Under the Fair Credit Reporting Act, you are entitled to one free copy of your CLUE database insurance report per year. However, the process and availability of free CLUE reports may vary depending on your state. Some states mandate that insurers provide a free copy of the LexisNexis CLUE auto report upon request, while others may charge a fee. It is recommended to check with your state’s insurance department or directly with LexisNexis for specific details.
How do I get a CLUE report in Illinois?
How do I get my CLUE report in Illinois? Illinois drivers can contact the LexisNexis CLUE report phone number at 1-866-312-8076 to obtain a copy of their CLUE report. This report can impact your insurance rates, making it a crucial factor when exploring the best Illinois auto insurance options.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Heidi Mertlich
Licensed Insurance Agent
Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.