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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
| Code | Coverage Type | Definition |
| BI | Bodily Injury | Liability coverage for bodily injury damage to others caused by the insured’s negligence |
| CO | Collision | Coverage for losses resulting from hitting another object with a moving vehicle |
| CP | Comprehensive | Physical damage protection, except for loss by collision |
| GL | Glass | Damage to the windshield or other windows |
| ME | Medical Expenses | Payments for medical, surgical, or hospital expenses for injured parties when the policyholder is at fault for an accident |
| MP | Medical Payments | Payment for medical care for the insured vehicle’s driver and occupants, regardless of who is at fault in the accident |
| PD | Property Damage | Liability coverage for damage to other people’s property caused by the insured’s negligence |
| PI | Personal Injury Protection | Medical expenses, lost wages, funeral costs, and additional living expenses for occupants of the covered vehicle |
| RR | Rental Reimbursement | Reimbursement for the cost of renting a replacement vehicle after an accident |
| SL | Spousal Liability | Coverage for an injured spouse when the insured driver is at-fault for the accident |
| TL | Towing/Labor Charges | Cost of towing the insured vehicle or emergency roadside services |
| UM | Uninsured Motorist | Protection for the insured against bodily injury or property damage caused by an uninsured motorist’s negligence |
| UN | Underinsured Motorist | Protection for the insured against bodily injury or property damage caused by an underinsured motorist’s negligence |
| OT | Other | Claim types not covered by other categories, such as accidental death and dismemberment or stolen articles |
CLUE Report Codes for Property Insurance Claims
| Code | Coverage Type | Definition |
| B | Boatowners | Policies covering any and all personal watercraft, such as houseboats, pontoon boats, or jet-skis |
| C | Condominium | Policies providing physical damage and liability coverage to condominium units |
| D | Flood | Policies covering direct physical losses caused by external floods, like overflowing tidal waters or flooding due to erosion |
| F | Fire | Policies to cover fire and fire-related damage, such as smoke, riot, civil commotion, vehicles, and aircraft |
| H | Homeowners | Policies that provide damage protection for a dwelling as well as liability coverage and personal property coverage for the owner |
| I | Inland Marine | A policy that covers personal property of a specific value, including antiques, art, jewelry, furs, etc. |
| J | Personal Umbrella | A high-limit liability policy |
| M | Mobile Home | Similar to homeowners policy, but with different limits specifically for mobile homes |
| Q | Earthquake | Policies covering earthquakes |
| R | Ranch/Farm | Similar to homeowners policy, but designed for ranching and farming policies, including details for animal collision, farming equipment, etc. |
| T | Tenant/Renters | A form of homeowners insurance designed for individuals who rent |
| X | Other | 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.
CLUE Report Codes for Claim Status
| Code | Meaning |
| Open | Claim is not yet resolved |
| Closed | Claim has been resolved |
| Subrogation | Claim is currently in subrogation by insurer |
| Under Deductible | Claim cost was below the deductible amount |
| Peril Not Covered | Claim not covered under the policy |
| Withdrawn | Claim was withdrawn by filer |
A CLUE report describes the status of each claim shown. The status of a claim is referred to as its disposition.
To learn more, check out WalletHub’s guide to CLUE reports.
People also ask
How can I view my CLUE report online?
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.
Ways to Access Your CLUE Report
- View your CLUE report online
- Call 866-897-8126 to...
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