What is a CLUE report and how do you check it?
A Comprehensive Loss Underwriting Exchange (CLUE) report is used by over 95% of insurance companies when evaluating risk and determining insurability for new auto or home policies.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Jun 23, 2023
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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: Jun 23, 2023
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.
On This Page
- Insurance companies use CLUE reports to understand your claims history for the past 5-7 years and determine your auto insurance rates
- LexisNexis provides CLUE reports to the majority of insurance companies that are already opted in
- You can check your own CLUE report to dispute any incorrect information to ensure you get a fair deal when opening a new auto or home policy
Insurance companies regularly update what’s known as a CLUE report, which shows your claims history for home and auto insurance. Companies use CLUE accident reports to calculate your risk profile and set your monthly insurance rates.
Fortunately, you can obtain a free copy of your CLUE report to dispute incorrect information or better understand why your auto insurance rates keep going up.
Keep reading to learn how to see your CLUE report and which insurance companies report your claims history to LexisNexis.
What is a CLUE report?
A Comprehensive Loss Underwriting Exchange (CLUE) report is a specialized statement made specifically for insurance companies by insurance companies to compile information regarding any claims made by policyholders over the previous 5-7 years.
LexisNexis runs this exchange for insurance companies. Nearly all (99%) of auto insurance companies regularly report and subscribe to CLUE when underwriting policies and deciding how risky an existing or potential driver may be.
Common Information in a CLUE Report
A CLUE report is relatively straightforward and simple. It contains the following information:
- Name of driver/property owner
- Address of insured
- Date of birth
- Social Security Number
- Previous insurance claims that have been paid
- Previous claims insurance companies have refused
- Inquiries regarding serious matters you’ve made to your insurance company
Each CLUE report shows the claims for the insured person and the status/cost of the claim.
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How to Check Your CLUE Report
Getting your own free CLUE report is easy — call 800-869-0751 for more information about receiving your LexisNexis CLUE accident report.
Visiting the LexisNexis website may not allow immediate access to your CLUE or other consumer reports, but you should receive them in the mail within a few weeks. If you need this information quickly, your best bet is to call them.
You can also get in touch with your state’s department of motor vehicles to obtain a free copy of your driving record.
How much is a CLUE report?
Fortunately, obtaining your annual CLUE 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 pull up incorrect claims history items.
Will every auto insurance company report to CLUE?
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.
Average Monthly U.S. Full Coverage Auto Insurance Rates with an Accident
Auto insurance rates are based on 45-year-old drivers with an accident vs. drivers with a clean record.
| Insurance Company | Rates with an Accident | Rates with a Clean Record |
|---|---|---|
| American Family | $166.67 | $115.50 |
| Farmers | $198.58 | $139.50 |
| Liberty Mutual | $236.67 | $176.67 |
| Allstate | $237.33 | $166.08 |
| Average | $176.92 | $123.08 |
As you can see, insurance premiums tend to go up around 50% after an accident. You may be penalized financially in the future, even if you were not at fault, depending on how expensive your claim is.
What is on a CLUE Report
A CLUE report shows the type of claim, current status, and the names of the involved parties with sensitive information redacted.
Insurance and privacy rights are overseen by state governments. Contact your state’s insurance commissioner if you have questions regarding your auto insurance claims history report. Find out how to check your auto insurance claims history.
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 CLUE 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 car insurance coverage and annotations describing damage-causing events.
How to Challenge and Overturn CLUE Report Errors
The process for fixing any mistakes on driving records varies by jurisdiction. You can contact LexisNexis immediately by calling 888-497-0011 or 866-312-8076 and reporting the issue if you see an inaccuracy in your CLUE reports, such as an invalid claim report or an improper loss payment.
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.
CLUE Report Suggestions
You might look for information that may be causing you to pay greater premiums by being erroneous or unconnected. Call the LexisNexis Consumer Center at 888-497-0011 if you discover any errors.
Within 30 days, they will advise you of the findings after verifying your information with the reporting insurance provider. A report item can also have an explanation added to it that will appear in all upcoming reports.
One of the frequent mistakes concerns claims that 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).
A motor vehicle report deals with the driving history and other facts about the driver, while certain details of both of these reports 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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Ask the CLUE Report Experts
Visit LexisNexis’s website or call them at the number above to get your vehicle insurance history report. The company will expedite any disputes that you may have, which they are legally obligated to address within 30 days. This is the quickest way to lower your auto insurance rates in the event of a CLUE insurance dispute.
Frequently Asked Questions
What is a car insurance CLUE report?
CLUE is a claims-information report created by consumer reporting company LexisNexis. The report typically includes a history of auto and personal property claims going back up to seven year
How can I get a car’s CLUE report?
You may get your CLUE report by contacting 1-866-897-8126 or visiting the LexisNexis website.
Do all insurance firms provide information to CLUE?
Nearly all 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.
Why is a CLUE report important?
A CLUE 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 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 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 regulations.
Can I check my CLUE report for free?
Under the Fair Credit Reporting Act, you are entitled to one free copy of your CLUE report per year. However, the process and availability of free reports may vary depending on your state. Some states mandate that insurers provide a free copy of the CLUE 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.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto 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.