A CLUE report goes back seven years and includes every auto insurance claim you’ve filed from that time frame, even if you weren’t issued a ticket or found to be at-fault for the incident. The same is true for home insurance claims caused by things like water damage or burglary.
Once a claim ages out of your report, your current insurer may lower your premiums. Some companies only look at the last three to five years of claims, but be aware that if you neglect to tell your insurer about all of your past claims, they may raise your rates after seeing your report.
Your CLUE Report Includes:
Previous claims that insurers have paid in the past seven years
Previous claims that insurers have denied in the past seven years
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