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.
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.
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