Yes. 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 your premium? This claim report is called C.L.U.E.
This article will tell you everything you need to know about your CLUE report and how to get your CLUE report free.
- 1 What Is a C.L.U.E. (CLUE) Report?
- 2 What Is In My C.L.U.E. Report?
- 3 Who Can See My C.L.U.E. Report?
- 4 Can I See My C.L.U.E. Report & How Much Does My C.L.U.E. Report Cost?
- 5 How To Get Your CLUE Report Free
- 6 How Long Does It Take To Get My C.L.U.E. Report?
- 7 Why Should I Get My C.L.U.E. Report?
- 8 How Do I Dispute What’s On My CLUE Report?
- 9 Why Are Insurance Companies Allowed To Get My Clue Report?
- 10 If I Call My Insurance Company But Don’t Make a Claim Will It Be On My C.L.U.E. Report?
- 11 If I Have an Accident WIth a Rented Car, Will It Be On My C.L.U.E. Report?
- 12 Related Articles
What Is a C.L.U.E. (CLUE) Report?
C.L.U.E. is an acronym for Claims Loss Underwriting Exchange. The report includes claims information generated by LexisNexis®, a consumer-reporting agency. It is similar to a credit report.
C.L.U.E. is a claims history exchange that enables insurance companies to submit and access claim information. Insurance companies use that information to determine what premiums 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 C.L.U.E. 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
Who Can See My C.L.U.E. Report?
You can only view your own C.L.U.E. and you can not get a copy of someone else’s C.L.U.E. report. Only insurance companies can view someone else’s C.L.U.E. report.
Can I See My C.L.U.E. Report & How Much Does My C.L.U.E. 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. 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
Consumers with disabilities or who need other special assistance can email: [email protected].
Request Your CLUE Report Online
Request Your CLUE Report by Email
Send email to: [email protected]
Request Your CLUE Report by U.S. Mail
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 Center
P.O. Box 105108
Atlanta, GA 30348-5108
Request Your CLUE Report by Phone
Phone numbers to request a CLUE Report by phone:
- 866-312-8076 (automated voice line) or
How Long Does It Take To Get My C.L.U.E. Report?
It takes about 15 business days for you to receive it in the mail. Order both your auto and property CLUE report at the same time.
Why Should I Get My C.L.U.E. Report?
To check for inaccurate information or claims belonging to someone else that could make you pay higher premiums.
Just like credit reports, your C.L.U.E. 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.
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. If you are calling about something that happened but you
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 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 C.L.U.E. Report?
I believe if a police report was made, the information will make it to a C.L.U.E. 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 C.L.U.E. report.
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