CLUE Report Guide

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

1. View your CLUE report online
2. Call 866-897-8126 to request your CLUE report by phone
3. Email LexisNexis: [email protected]
4. Mail a request form to:

LexisNexis Risk Solutions Consumer Center

P.O. Box 105018

Atlanta, GA 30348-5108

Information Needed to View Your CLUE Report Online

• First and last name
• Address
• Date of birth
• SSN or driver's license number and issuing state

What Your Report Will Include

When you request a report from LexisNexis, you receive a Consumer Disclosure Report that includes your CLUE report, real estate transactions, bankruptcy and liens records, judgement records, and past addresses. Your report details up to seven years of insurance claims history.

To learn more, check out WalletHub's guide to CLUE reports.

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
• Your name
• Address
• Date of birth
• SSN

The Fair Credit Reporting Act entitles you to one free copy of your report every year. Requesting a report from LexisNexis online is usually the easiest option, but you can also request a copy over the phone or by mail.

To learn more, check out WalletHub's guide to CLUE reports.

The purpose of a CLUE report is to provide a centralized record of all the insurance claims associated with a specific home or a car insurance policyholder. Home and auto insurance companies use CLUE reports when calculating premiums to determine how much risk is presented by a certain consumer or property.

CLUE is a database run by LexisNexis that records up to seven years of claims information. More than 99% of auto insurance companies and 96% of home insurance companies report claims to CLUE, making it a valuable resource.

Potential home buyers can use CLUE reports to check for recurring issues with a property and to learn about their potential home insurance premiums. Similarly, drivers can use their CLUE report to determine when their old claims will stop affecting their rates. For more information, check out WalletHub's guide to CLUE reports.

You can dispute your clue report by writing a letter to the LexisNexis consumer care center, calling them directly, or sending an email. Once LexisNexis is informed of the error, they will investigate the dispute and remove any information that is deemed to be incorrect. By law, this process must be completed within 30 days of LexisNexis receiving your request, though there may be exceptions.

How to Dispute Your LexisNexis Report

1. Send a letter to the LexisNexis consumer care center
2. Call 888-497-0011
3. Email your complaint to [email protected]

If you want to dispute your CLUE report through the mail, you can send a letter to the following address:   

LexisNexis Risk Solutions Consumer Center

P.O. Box 105018

Atlanta, GA 30348-5108

To learn more, check out WalletHub's guide to CLUE reports.

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 name
• Your address
• Your date of birth
• Your SSN

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.

Filing a claim will increase car insurance premiums from 3% to 32% on average for three to five years in almost all cases. How much your rate goes up depends on several factors, like the claim type and amount, your insurance company, your claims history, your location, and whether or not you have accident forgiveness.

The most significant factors affecting how much your rates go up after an accident are the claim type and amount. Accidents that you cause will raise your premium the most, especially if the damages are over $2,000. Although prices don't jump as much when you're not at fault or the incident was beyond your control, you'll probably still see a rate increase.

It may seem unfair, but insurance companies are within their rights to raise your rates after a claim, even if the accident was not your fault. Insurers charge based on risk, and statistics show that you're more likely to make additional claims if you've recently filed one.

Some insurance companies charge more than others after not-at-fault accidents, though. Progressive charges the most, raising rates by more than 16% on average. State Farm, on the other hand, doesn't increase prices if their customer is not at fault.

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.

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.

A CLUE report costs $0 for consumers requesting their personal report from LexisNexis. Individuals are entitled to one free copy of their LexisNexis CLUE report each year, while additional copies will cost $19.95 for each report. LexisNexis customer service representatives also say there is no charge for customers to access additional copies of their own reports. 

You can order your CLUE report from LexisNexis online or by calling 1-866-897-8126. To learn more, check out WalletHub's guide to CLUE reports.

You can request a CLUE report for your home by going to the LexisNexis website, calling the company, or sending an email. If you are purchasing a new home, the current owner will need to request the CLUE report and provide you with a copy. A CLUE report includes any homeowners insurance claims that have been made for the property in the past 5-7 years.  

How to Get a CLUE Report on Your Home

1. Send the request online
2. Call 1-866-897-8126
3. Email [email protected]
4. Ask the homeowner to provide you with a copy

If you're purchasing a new home, the CLUE report can help you anticipate the cost of home insurance and get a full understanding of the property's repair history. Keep in mind that a CLUE report is not a replacement for a full inspection, but it can indicate problems that need to be checked more thoroughly.

To learn more, check out WalletHub's guide to CLUE reports.

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

CLUE Report Codes for Property Insurance Claims

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

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.