Do all insurance companies report to CLUE?

Question

Yes, insurance companies share claims history with each other using databases such as C.L.U.E., which is run by Lexis Nexis and contains claims data from more than 99% of car insurance companies. Insurers can check a driver’s claims history using C.L.U.E. if the driver wants a quote. Claims history information is important to insurance companies because drivers with a history of claims, especially at-fault claims, present more risk to insurers.… read full answer

Insurance claims databases are the industry’s equivalent of credit reports. Like credit reports, these databases are designed to provide a centralized record of a consumer’s past behavior. This information helps insurance companies decide what premium to charge based on the individual driver. But rest assured that your claims history is only one factor that goes into your premium. Insurers will also consider characteristics such as age, driving record, location, and vehicle information.

For more information on insurance claims history databases and to learn how to check your claims history report for free, check out WalletHub’s guide to C.L.U.E. reports.

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Answer 1 · 2021-08-23 20:32:11

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@WalletHub • 08/23/21 This answer was first published on 08/23/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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No, not all insurance companies report to CLUE, but more than 99% of auto insurance companies and 96% of home insurance companies do contribute, according to LexisNexis. Only insurance companies that report information to CLUE can also withdraw information from the LexisNexis database.

While LexisNexis does not report which companies specifically share information with them, it is safe to assume that the major insurance companies exchange information and use CLUE reports. CLUE reports help insurance companies review the claims history for a potential customer or property and determine how much of a risk they would be to insure. This information then helps insurers price insurance rates.

What Information Do Insurance Companies Report To CLUE?

Insurance companies report information to CLUE about any claims that they deal with. Insurance companies report details if they:

Pay money for a claim either to the policyholder or to an injured party
Create a file with details about a possible claim
Deny a claim

To learn more, check out WalletHub’s guide to CLUE reports.

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