You know there are three credit bureaus that create reports for your credit history. But did you know there is a claims report used by insurance companies to review your claims history to determine the amount of your insurance premium? This claim report is called C.L.U.E.
This article will tell you everything you need to know about your CLUE insurance report and how to get your CLUE report free.
What Is a CLUE (C.L.U.E.) Report?
C.L.U.E. is an acronym for Claims Loss Underwriting Exchange. The CLUE report includes claims information generated by LexisNexis®, a consumer-reporting agency. The CLUE report is similar to a credit report.
C.L.U.E. is an insurance claims history exchange that enables insurance companies to submit and access claim information.
C.L.U.E. sells its insurance claims history reports to insurance companies that use the information in the CLUE report to determine the price of the insurance premium to quote to customers.
LexisNexis advertises on their website: “Price with More Precision Help confirm premium adequacy for the underlying insured risk, based on prior loss history.”
What Is In My CLUE Report?
A C.L.U.E. report contains five to seven years of your personal auto and property claims history, including:
- Your name
- Date of birth
- Name of the insurance company
- Insurance policy number
- Claim number
- Date of loss
- Category and Type of loss (claim) such as auto, home, fire, wind damage, etc.
- Whether the claim was denied or the amount the insurance company paid
Can I See My CLUE Report?
Yes, you can your own CLUE report. You can not get a copy of someone else’s C.L.U.E. report.
Who Can See My CLUE Report?
Only insurance companies can view someone else’s C.L.U.E. report.
How Much Does My CLUE Report Cost?
You are entitled to one free C.L.U.E. report each year. Additional reports can be ordered for $19.95 each.
You are also entitled to a free C.L.U.E. report if you received an adverse action letter from an insurance company.
If you already obtained a free CLUE report and you later receive an adverse action letter from an insurance company, you can get another free CLUE report. You can get another free CLUE report every time an insurance company sends you an adverse action letter.
An adverse action is when an insurance company:
- Denied you insurance
- Increased your insurance premium
- Limited your insurance coverage, or
- Canceled your insurance policy
How to Get Your CLUE Report Free
Order both your auto and property (real estate) CLUE reports at the same time.
CLUE report order information page
Information to get a copy of your C.L.U.E. report by phone or mail free
Consumers with disabilities or who need other special assistance can send an email to [email protected].
Request Your CLUE Report Online Free
Get a copy of your C.L.U.E. report online free | Instructions
Request Your Free CLUE Report by Email
email CLUE: [email protected]
Consumers with disabilities or who need other special assistance: [email protected].
Request Your CLUE Report by U.S. Mail
Printable Request Form | Instructions
You can order your Consumer Disclosure Report via U.S. Mail using the printable Consumer Request Form.
Once you have downloaded and printed a copy of the printable Consumer Request Form, please complete all of the sections and send the form back to us via U.S. Mail using the address below:
LexisNexis Risk Solutions Consumer CenterP.O. Box 105108
Atlanta, GA 30348-5108
Request Your CLUE Report by Phone
Phone numbers to request a CLUE Report by phone:
- 866-897-8126
- 866-312-8076 (automated voice line) or
- 888-497-0011
How Long Does It Take To Get My CLUE Report?
It takes about 15 business days for you to receive your CLUE insurance report in the mail.
Why Should I Get My CLUE Report?
Check your C.L.U.E. report for inaccurate information or claims on your insurance claims history report that belongs to someone else, which could make you pay higher premiums.
Just like credit reports, your CLUE report may have errors. Insurance companies often make mistakes and report inaccurate information. Additionally, LexisNexis can make mistakes and report inaccurate information.
An example of the kind of error you can see on your C.L.U.E. report is a claim that was not made by you but was made by someone else with a similar name or similar address.
You should find out what the insurance companies know about you and check your report for errors. Advise LexisNexis of any errors you find and request that they advise your insurance companies of the corrections.
Correcting errors and inaccurate claims history information on your CLUE report may lower your insurance premiums.
How Do I Dispute What’s On My CLUE Report?
If you find mistakes on your CLUE report, dispute the incorrect information with LexisNexis. To file a dispute, call 888-497-0011 or write to LexisNexis Consumer Center, P.O. Box 105108, Atlanta, GA 30348.
LexisNexis will verify your information with the reporting insurance company and notify you of the results within 30 days.
If LexisNexis refuses to change the information you reported, you can add an explanation to an item in your C.L.U.E. report that will show in all future reports.
Why Are Insurance Companies Allowed To Get My Clue Report?
The federal Fair Credit Reporting Act allows LexisNexis® to produce C.L.U.E. reports for the following insurance purposes:
- When the consumer reporting agency has reason to believe a person or company intends to use the information in connection with the underwriting of a consumer’s insurance policy, including when the consumer asks for an insurance quote or applies for insurance.
- When the request for the C.L.U.E. report is initiated by and at the request of the insurance company or agent.
If I Call My Insurance Company But Don’t Make a Claim, Will It Be On My C.L.U.E. Report?
The answer depends on whether it is clear that you could be making a claim or if you are just inquiring about coverage information for possible claims that have not happened.
When calling your insurance company, you should be specific as to whether you are filing a claim or only making an inquiry about your coverage.
If you are calling to ask if you have coverage for a particular type of accident, incident, or claim, it will not be reported to CLUE since an insurance coverage question is not an insurance claim.
If you file a claim, you will receive a claim number. If you do not receive a claim number, there is no claim, so it shouldn’t be reported on your CLUE report.
If you file a claim and your insurance company did not make any payment on the claim, the information would be recorded by the company and probably appear on your C.L.U.E. report.
If I Have an Accident WIth a Rented Car, Will It Be On My CLUE Report?
If a police report was made, the information will likely appear on your CLUE report.
If you took insurance with the rental company and you have additional insurance on a car you own, your insurance is secondary coverage and it will appear on your C.L.U.E. report.
If you rented a car, a police report was not made, and you don’t own a car, it will probably not appear on your CLUE report.
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