What is a CLUE Report for Car Insurance?

A CLUE report is a historical record of your car insurance claims, used by insurance companies to assign your rates.

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CLUE reports in auto insurance: everything you need to know


A CLUE report — short for Comprehensive Loss Underwriting Exchange — is a record of your prior insurance claims. If you’ve ever switched insurance companies and wondered how your new insurer was aware of your previous accidents or claims, it’s thanks to your CLUE report. 

CLUE reports are generated by the analytics company LexisNexis, which updates the database regularly with claims information reported from insurance companies. Sometimes known as a loss history report, CLUE reports may contain both auto and home insurance claims information.

Let’s have a look at the information in a typical CLUE report and how it can affect your car insurance quotes.




What's on a CLUE Report?

A CLUE report contains the past seven years of your personal auto insurance claims history. A report includes the loss type and date of loss, as well as the amount paid. It also includes information such as insurance policy numbers, claims numbers, and the names of your insurance companies. 

Insurance companies report the amount of money they pay out, any files created while processing claims, and information on denied claims. The CLUE report deals only with your insurance claims. As such, you won’t find sensitive personal information like your social security number on the report. 

If you haven’t filed an auto or homeowners insurance claim in the last seven years, your CLUE report is likely empty. The best way to find out what’s on your CLUE report is to seek out a copy for yourself.



How to get a CLUE Report

You can get a free copy of your CLUE report through LexisNexis. Thanks to the Fair Credit Reporting Act, you are allowed one free CLUE report each year. You can request your report in the following ways:

When requesting your free CLUE report, you can ask for a personal property report or an auto report. If you need both reports, you may order them at the same time. Extra copies can be ordered for a fee. 



How do insurance companies get CLUE reports?

Alongside personal information like your address, age and credit score, car insurance companies assess your CLUE report when putting together your insurance policy. The report provides a snapshot of your driving history, helping set your future insurance rates.

Insurance companies rely on data tying a high number of past claims to the likelihood of future claims. If you’ve made a number of insurance claims in the past, it’s likely your insurer will see you as a high-risk customer and assign you more expensive rates. 


How to dispute claims on a CLUE report

What happens if you suddenly see a rise in your insurance premiums, but you haven’t filed any claims? While there are some natural reasons for insurance rate increases, you could be paying too much due to an error on your CLUE report. As with your credit report, it’s important you apprised of any changes made to your CLUE report to avoid negative ramifications. 

To dispute an erroneous claim, simply contact LexisNexis. The service has 30 days to reach out to your insurance company in an effort to fix the situation. You can also have the company add personal notes to your report. For instance, if you made a claim related to your swimming pool, but have since had the pool removed, this is information future insurance companies should know. 

Be on the lookout for claims that were started, but ultimately weren’t paid out by the insurance company. If, for instance, you started the claims process after your car was damaged, but ultimately decided to pay for the damages out of pocket, this might show up on your CLUE report. By contacting LexisNexis, you could potentially have this blemish removed from your record.  



Why CLUE reports are important

If you want to ensure that your auto insurance rates are as low as they can be, it’s important to know what information is on your CLUE report. This, together with regularly comparing insurance quotes, can help you get the best coverage at the best rates available.

Compare car insurance rates and find the right policy for you today.

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My ins co gave me an accident free discount when I've had an accident

It might depend on what your new company is referring to as an "accident" and what you consider to be an accident. For example, your insurance company might not consider not-at-fault accidents when they created this discount.
Jan 25, 2018 Racine, Wisconsin

If an accident does not show up on my MVR, will my insurance company still charge me for the accident?

It may still be listed on your CLUE report if the accident was reported to insurance, but there is a chance that the accident may not yet be listed on your report. It's also possible that there could have been a clerical error and it never got listed.
Oct 21, 2016 Lake Charles, LA

I started a claim but canceled it with no payout. Why is it on my CLUE report?

Unfortunately, if you start the claims process, the insurance company can list it on your CLUE report through LexisNexis which contains your claims history — even if there was no payout or resolution. You can dispute with State Farm to see if they will remove it, but at this point, that is really the only option which is definitely frustrating.
Jul 7, 2019 La Mirada, CA

Removing a claim from my insurance record

I would recommend getting what's called a CLUE Report. This is a comprehensive loss report.
Apr 7, 2018 Salem, Oregon

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Ross MartinManager, Content Quality

As a licensed insurance agent, Ross has spent the last three years with The Zebra researching and writing insurance content aimed at helping shoppers make informed decisions.

Ross's background is in writing and education. He holds a master's degree from Royal Holloway, University of London.

Ross's work has been cited by The New York Times, Investopedia, The Simple DollarThe BalanceCar and Driver and Fox Business. He has been quoted by CNET, I Drive Safely and Kin Insurance

About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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