CLUE Report Defined (2024)
A Comprehensive Loss Underwriting Exchange (CLUE) report is used by over 95% of insurance companies when evaluating risk and determining insurability for new auto or home policies.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
UPDATED: Sep 7, 2024
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Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Sep 7, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
What does CLUE mean in insurance? Insurance companies regularly update what’s known as a CLUE motor vehicle report, which shows your claims history for auto insurance.
Companies use a CLUE car accident report to calculate your risk profile and set your monthly insurance rates. Fortunately, you can obtain a free copy of your CLUE report to dispute incorrect information or better understand why your auto insurance rates keep going up.
Keep reading to learn how to see your CLUE report online for free and which insurance companies report your claims history to LexisNexis.
- Insurance companies use CLUE reports to check your claims history and set rates
- LexisNexis provides CLUE reports to most of the top providers
- Check your own CLUE driving record to dispute incorrect information
CLUE Auto Report: What is Is and How it Impacts You
What is a CLUE report for auto insurance?
A CLUE, or Comprehensive Loss Underwriting Exchange, report, is a specialized statement made for insurance companies with information regarding any claims made by policyholders over the previous five to seven years.Tracey L. Wells Licensed Insurance Agent & Agency Owner
LexisNexis runs the CLUE motor vehicle report exchange for insurance companies. Nearly all (99%) of auto insurance companies regularly report and subscribe to the LexisNexis CLUE report when underwriting policies and deciding how risky an existing or potential driver may be.
Common Information in a CLUE Report
A CLUE driver report, also known as a C.L.U.E. Report, is relatively straightforward and simple. It contains the following information:
- Name of driver/property owner
- Address of insured
- Date of birth
- Social Security Number
- Previous insurance claims that have been paid
- Previous claims insurance companies have refused
- Inquiries regarding serious matters you’ve made to your insurance company
Each CLUE vehicle report shows the claims for the insured person and the status/cost of the claim.
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How to Check Your CLUE Car Insurance Report
Now, you may be wondering how to get your CLUE report. Getting your own free CLUE car report is easy — call 800-869-0751 for more information about receiving your LexisNexis CLUE accident report.
Visiting the LexisNexis website may not allow immediate access to your auto CLUE report, but you should receive them in the mail within a few weeks. If you need this information quickly, your best bet is to call them.
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You can also get in touch with your state’s department of motor vehicles to obtain a free copy of your driving record.
Fortunately, obtaining your annual CLUE insurance report is free. You’re entitled to know what’s on your CLUE report and dispute any incorrect insurance information, as sometimes common names can pull up incorrect claims history items.
Just about every car insurance company will report claims to CLUE. It’s in every company’s best interest to have up-to-date information and eliminate any gaps that might reveal the downsides to insuring any particular person. They also view a history of accidents and claims as proof that more will happen.
Full Coverage Auto Insurance Monthly Rates for Clean Record vs. One Accident
| Insurance Company | Clean Record | One Accident |
|---|---|---|
| Allstate | $160 | $225 |
| American Family | $117 | $176 |
| Farmers | $139 | $198 |
| Geico | $80 | $132 |
| Liberty Mutual | $174 | $234 |
| Nationwide | $115 | $161 |
| Progressive | $105 | $186 |
| State Farm | $86 | $102 |
| Travelers | $99 | $139 |
| U.S Average | $119 | $173 |
As you can see, insurance premiums tend to go up around 50% after an accident. You may be penalized financially in the future, even if you were not at fault, depending on how expensive your claim is. Now that you know how to obtain a CLUE report, we’ll talk about what you’ll see on a
What You’ll Find on a CLUE Report
A CLUE car insurance report shows the type of claim, current status, and the names of the involved parties with sensitive information redacted.
Insurance and privacy rights are overseen by state governments. Contact your state’s insurance commissioner if you have questions regarding your auto insurance claims history report. Find out how to check your auto insurance claims history.
CLUE Report Codes and What They Mean
Reading a data-intensive report like CLUE might be daunting to most people who are unfamiliar with them. Shorthand notations, known as C.L.U.E. report codes, are used to describe the sorts of insurance claims made, their current status, and other particulars about each claim.
Common Auto Insurance Codes on a CLUE Report
| Type of Insurance | CLUE Report Code |
|---|---|
| Bodily Injury | BI |
| Collision | CO |
| Comprehensive | CP |
| Medical Payments | MP |
| Personal Injury Protection | PI |
| Property Damage | PD |
| Property Damage | PD |
| Underinsured Motorist | UN |
| Uninsured Motorist | UM |
The CLUE report codes for auto insurance are distinct from those for CLUE reports for property insurance, so look out for abbreviations of specific types of car insurance coverage and annotations describing damage-causing events.
How to Challenge and Overturn CLUE Report Errors
If you’re wondering how to dispute a LexisNexis insurance report, simply call LexisNexis at 1-888-497-0011 or 1-866-312-8076 to report LexisNexis incorrection information in your CLUE reports, such as an invalid claim report or an improper loss payment.
You may also wonder how to get your own Lexis Nexis report. You should get able to get a copy of your CLUE claims history report from LexisNexis.
The insurance provider will then be contacted on your behalf by LexisNexis, who will seek clarification on the situation and let you know the outcome within 30 days. You are welcome to submit a personal comment that LexisNexis will include in all subsequent CLUE reports if you believe that something in the report needs to be explained.
After receiving a letter from my insurer that my Good Driver Discount would drop due to a false CLUE auto insurance report, I contacted LexisNexis with my CLUE report dispute. They promptly removed the CLUE driving report, and my insurance company restored the discount afterward.Daniel S. Young Insurance Content Team Lead
For the same reasons, it’s a good idea to examine your driving record. Car insurance companies check your driving record when determining rates. Any violations or accidents increase the likelihood of you filing a claim in the future, resulting in financial loss for them. This means higher auto insurance rates for you.
Now that you know how to dispute a claim on the LexisNexis report, we’ll overview some other suggestions as you write your report.
CLUE Report Suggestions
You might look for information that may be causing you to pay greater premiums by being erroneous or unconnected. Call the LexisNexis Consumer Center at 888-497-0011 if you discover any errors.
Within 30 days, they will advise you of the findings after verifying your information with the reporting insurance provider. A report item can also have an explanation added to it that will appear in all upcoming reports.
One of the frequent mistakes concerns claims that the insurance company did not pay. Even if you paid for it, your CLUE report might reflect that. By contacting LexisNexis, you can resolve such disagreements.
CLUE, however, is not identical to a motor vehicle report (MVR).
A motor vehicle report deals with the driving history and other facts about the driver, while certain details of both of these reports may be comparable. The last three years’ worth of driving history is included in the MVR, which costs money.
In other words, traffic infractions are not the main subject of a CLUE report.
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Ask the CLUE Report Experts
Visit LexisNexis’s website or call them at the number above to get your vehicle insurance history report. The company will expedite any disputes that you may have, which they are legally obligated to address within 30 days. This is the quickest way to lower your auto insurance rates in the event of a CLUE insurance dispute.
Frequently Asked Questions
What is a car insurance CLUE report?
CLUE is a claims-information report created by consumer reporting company LexisNexis. The CLUE report for insurance typically includes a history of auto and personal property claims going back up to seven year
How can I get a car’s CLUE report?
You may get your CLUE report for auto insurance by contacting 1-866-897-8126 or visiting the LexisNexis website.
Do all insurance firms provide information to CLUE?
Nearly all MVR CLUE reports are used to evaluate and underwrite new insurance contracts. Due in large part to the fact that they already have loss records for these properties in their own database, most insurers renewing existing policies do not examine CLUE reports at renewal.
Why is a CLUE driving report important?
A LexisNexis auto report is important because it helps insurance companies evaluate the claims history of a property or vehicle owner. It provides insights into the likelihood of future claims and helps determine insurance premiums and eligibility for coverage. Potential buyers or lenders may also request a CLUE LexisNexis report to assess the risk associated with a property or vehicle.
How can I obtain a copy of my CLUE report?
To obtain a copy of your LexisNexis auto insurance report, you can request it directly from LexisNexis, the company that maintains the CLUE database. You can visit their website or contact their customer service to initiate the request process. You will need to provide personal information and possibly pay a fee, depending on your state’s regulations.
Can I check my CLUE report for free?
Under the Fair Credit Reporting Act, you are entitled to one free copy of your CLUE database insurance report per year. However, the process and availability of free reports may vary depending on your state. Some states mandate that insurers provide a free copy of the LexisNexis CLUE auto report upon request, while others may charge a fee. It is recommended to check with your state’s insurance department or directly with LexisNexis for specific details.
Can I get a CLUE report online?
You might be wondering how to get a CLUE report for home and auto insurance online. Yes, you can view a CLUE report online by visiting the LexisNexis website and navigating to the Consumer Portal.
How do I get a copy of my CLUE report in Illinois?
Illinois drivers can contact the LexisNexis CLUE report phone number at 1-866-312-8076 to obtain a copy of their CLUE report.
How do I get a copy of my CLUE report in Colorado?
CO residents should call the LexisNexis phone number, 1-866-312-8076, to get a copy of their CLUE driving report.
How do I get a copy of my CLUE report in Michigan?
In Michigan, obtain a copy of your CLUE report by calling the LexisNexis phone number, 1-866-312-8076.
How do I get a copy of my CLUE report in California?
Californians can call LexisNexis at their phone number, 1-866-312-8076, to obtain a CLUE report.
How do I get a copy of my CLUE report in Arizona?
Drivers in Arizona may be wondering, “How do I get a copy of my CLUE report in AZ?” Call 1-866-312-8076 to speak with LexisNexis and get your CLUE report.
How do I get a copy of my CLUE report in Florida?
Floridians can get their CLUE report by calling LexisNexis customer service at 1-866-312-8076.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Laura D. Adams
Insurance & Finance Analyst
Laura Adams is one of the nation’s leading finance, insurance, and small business authorities. As an award-winning author, spokesperson, and host of the top-rated Money Girl podcast since 2008, millions of readers and listeners benefit from her practical advice. Her mission is to empower consumers to live healthy and rich lives by planning for the future and making smart money decisions. She rec...
Insurance & Finance Analyst
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.