CLUE report codes are short-hand notations that explain what types of insurance claims have been filed, the status of those claims, and other specific details about of each claim. CLUE report codes can include abbreviations for certain types of coverage as well as annotations explaining damage-causing events. The CLUE report codes used for auto insurance are different from the codes used on property insurance CLUE reports.
CLUE Report Codes for Auto Insurance Claims
Liability coverage for bodily injury damage to others caused by the insured’s negligence
Coverage for losses resulting from hitting another object with a moving vehicle
Physical damage protection, except for loss by collision
Damage to the windshield or other windows
Payments for medical, surgical, or hospital expenses for injured parties when the policyholder is at fault for an accident
Payment for medical care for the insured vehicle’s driver and occupants, regardless of who is at fault in the accident
Liability coverage for damage to other people’s property caused by the insured’s negligence
Personal Injury Protection
Medical expenses, lost wages, funeral costs, and additional living expenses for occupants of the covered vehicle
Reimbursement for the cost of renting a replacement vehicle after an accident
Coverage for an injured spouse when the insured driver is at-fault for the accident
Cost of towing the insured vehicle or emergency roadside services
Protection for the insured against bodily injury or property damage caused by an uninsured motorist’s negligence
Protection for the insured against bodily injury or property damage caused by an underinsured motorist’s negligence
Claim types not covered by other categories, such as accidental death and dismemberment or stolen articles
CLUE Report Codes for Property Insurance Claims
Policies covering any and all personal watercraft, such as houseboats, pontoon boats, or jet-skis
Policies providing physical damage and liability coverage to condominium units
Policies covering direct physical losses caused by external floods, like overflowing tidal waters or flooding due to erosion
Policies to cover fire and fire-related damage, such as smoke, riot, civil commotion, vehicles, and aircraft
Policies that provide damage protection for a dwelling as well as liability coverage and personal property coverage for the owner
A policy that covers personal property of a specific value, including antiques, art, jewelry, furs, etc.
A high-limit liability policy
Similar to homeowners policy, but with different limits specifically for mobile homes
Policies covering earthquakes
Similar to homeowners policy, but designed for ranching and farming policies, including details for animal collision, farming equipment, etc.
A form of homeowners insurance designed for individuals who rent
Policy types not described above
These policy codes identify which type of insurance policy the claim falls under. For example, water damage caused by bursting pipes would be covered by and claimed under a homeowners insurance policy or code H.
Property CLUE reports also have codes that explain the cause of the damage. There are a wide variety of reasons for a claim to happen, including the following notable causes.
CLUE Report Codes for Types of Losses
ACCDL: accidental discharge/leakage – a claim resulting from water being discharged from plumbing systems, including burst pipes not caused by freezing.
CONTA: contamination/pollution – a claim caused by contaminants or pollutants in the atmosphere or ground.
FREEZ: freezing water – a claim resulting from water freezing, including water damage due to pipes bursting after a freeze.
MOVE: earth movement – claims resulting from movement of the earth along fault lines. This is different from an earthquake (QUAKE), as movement does not necessarily include trembling or vibration of the earth’s surface.
VMM: vandalism and malicious mischief – a claim resulting from vandalism or willful destruction of the insured’s property.
WEATH: weather related water – claims caused by wind-driven rain.
You can view your CLUE report online by going to the LexisNexis website and filling out their electronic request form. LexisNexis is the consumer reporting agency that produces CLUE reports to provide information about individuals and properties to organizations like banks and insurance companies. You can also request a copy of your report by phone, mail, or email.… read full answer
Information Needed to View Your CLUE Report Online
First and last name
Date of birth
SSN or driver’s license number and issuing state
What Your Report Will Include
When you request a report from LexisNexis, you receive a Consumer Disclosure Report that includes your CLUE report, real estate transactions, bankruptcy and liens records, judgement records, and past addresses. Your report details up to seven years of insurance claims history.
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