An insurance claims history report is a list of all the car insurance claims an individual has filed over the past 5-7 years. Most car insurance companies will check a driver’s insurance claims history report before issuing a policy in order to assess their risk.
LexisNexis generates the most common claims history report from its “C.L.U.E.” database, which stands for Comprehensive Loss Underwriting Exchange. Since drivers might forget or misrepresent their claims, C.L.U.E. is a centralized source of information that insurance companies can rely on.
Previous claims that insurers have paid
Previous claims that insurers have denied
The policy number and insurance company associated with each claim
Information about specific vehicles
Serious inquiries you have made to agents or adjusters
Your date of birth
Claims history reports may also include information about homeowner’s insurance claims. You can request a free copy of your insurance claims history report once a year. For more information about getting a copy or disputing an error, check out WalletHub’s complete guide to C.L.U.E. reports.
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.
Notable car insurance companies that only look back 3 years for violations and claims include Progressive and State Farm. Many car insurance providers only look back at the past 2-3 years on a customer’s driving record to check for claims on an insurance policy or minor moving violations. But some auto insurance companies will look back as far as 5-10 years for major violations and claims when making underwriting decisions.… read full answer
In addition to differences in company rules, auto insurance providers are sometimes limited by state laws to only looking back 3 years for information on someone’s driving record. For example, the states of Virginia and Washington require that auto insurance companies disregard driving-record info that is more than 3 years old. Massachusetts and California, on the other hand, are examples of states that allow companies to look back up to 10 years.
For context, when you’re shopping for auto insurance, you agree to let car insurance companies that you apply with collect your official Motor Vehicle Report (MVR) and Claim Loss Underwriting Exchange (CLUE) report in the state where you’re licensed. It’s important that you don’t purposely misrepresent or omit a moving violation or claim, as doing so can lead to inaccurate quotes, policy cancellations and claims denials. It’s also important to remember that even if you’re dealing with one of the many car insurance companies that only look back 3 years, every auto insurance provider calculates risk in its own way, so it’s best to shop around for the best rate.
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