A CLUE report is a summary of a person’s auto or home insurance claim history that all major insurance companies consult when they take on a new customer. The CLUE database, which is run by LexisNexis, lets insurers see any claims that a new customer has filed within the last seven years. Verisk offers a similar report, known as A-PLUS, but it’s less commonly used than CLUE.
What’s Included in a CLUE Report?
- Your name
- Date of birth
- Previous claims that insurers have paid
- Previous claims that insurers have denied
- Serious inquiries you have made to your agent or adjuster
Every claim that you file will end up on your CLUE report, even if you weren’t issued a ticket or found at-fault for the incident. Once your insurer sees your CLUE report, they may adjust your rates if you’ve neglected to inform them of all claims in your history.
How to Get Your CLUE Report for Free
In light of the CLUE report’s direct impact on your wallet, understanding the contents of your file and checking it for errors is extremely important. The good news is – much like with your credit report – you can request, review, and dispute items in your report.
That’s because the Fair Credit Reporting Act entitles you to a copy of your report from any consumer reporting agency, including LexisNexis’s CLUE, for free once per year. Additionally, LexisNexis says that it does not charge customers who want to request more than one copy of their personal report within a year.
In order to view your CLUE report, you must request your entire LexisNexis personal report. You can request a copy of your report from LexisNexis Risk Solutions online or by phone:
- LexisNexis Personal Reports
- (866) 312-8076
A copy of your A-PLUS report is available from Verisk:
- A-PLUS Loss History Report
- (800) 627-3487
If you find errors in your report, there are steps you can take to rectify the problem:
- Contact LexisNexis: They’ll contact the insurance company that reported the issue and attempt to resolve any discrepancies on your behalf.
- Add a Personal Statement: You can add personal statements to your report.
- Contact Your Insurer: If your current insurer has made an error, you should contact them immediately and notify them of the error.
CLUE Report Tips
Information remains on your CLUE report for seven years. Knowing when old accidents and claims will age out of your report can help you know when to expect a rate drop from your current insurer or to go shopping for better rates.
Remember that if you are denied insurance or if your rates increase you are legally entitled to receive notification that contains the reasons and the factors that caused the decision. This may include negative information from CLUE or other reports such as your credit history or driving record. Learn more about your FCRA rights regarding consumer reporting.
- Credit Report: You can also get an annual free copy of your credit report under the Fair Credit Reporting Act.
- Driving Report: You can obtain a copy of your driving record from your state’s DMV or license bureau.
Agents and online insurers are generally happy to help with questions about how your auto insurance rates are determined. Many will show you a copy of any reports they use to calculate your rates, and by accessing your current insurance account online, you may be able to see the claims and driving record information your insurer is using to set your rates.
Finally, state governments regulate insurance and privacy rights. Many states have additional laws designed to protect citizens’ privacy rights. If you have concerns about a claims history report you cannot resolve, contact your state insurance commissioner.
Sample CLUE Report