However, despite its importance, very few consumers said they were very familiar with the CLUE report and only 14% had heard of it. After your request is submitted, you will receive a letter via U.S. Mail with details explaining how to access your report online. This is a report generated by an agency called LexisNexis that gives an overview of your claims history. You can obtain your C.L.U.E report by calling LexisNexis Services at 1-866-312-8076. 
. It collects and reports up to seven years of auto and personal property claims. stands for comprehensive loss underwriting exchange and is a database that allows automobile and homeowners insurance providers to exchange information without notice to you about claims for loss of property. Privacy Rights Clearinghouse. Insurers use loss history reports to help assess the risk associated with selling you an insurance policy. More than 99 percent of insurers writing . Are you sure you want to rest your choices? The CLUE database, which is run by LexisNexis, lets insurers see any claims that a new customer has filed within the last seven years. reports distinguish between an inquiry and a claim?". Most car insurance companies will check a driver's insurance claims history report before issuing a policy in order to assess their risk. The Report Header section of the C.L.U.E. First, a CLUE report that shows numerous claims can result in higher premiums if you purchase a new policy or switch your auto policy or home insurance to a different company. The vehicle operator at the time of an accident is also listed, so you can't blame that dent on one of your kids anymore. Note: If you need a CLUE report on a property youd like to buy, the owner must request it. CLUE stands for comprehensive loss underwriting exchange, and CLUE reports disclose the insurance claims history for a person or property. A CLUE report contains several detailed insights into property claims filed as well as a number of general pieces of information about insurance providers and loss recovery attempts. Note that only property owners can request a C.L.U.E. The information in the reports is intended to be as accurate as possible in terms of your history of insurance claims. LexisNexis is the consumer reporting agency that produces CLUE reports to provide information about individuals and properties to organizations like banks and insurance companies. Once a claim ages out of your report, your current insurer may lower your premiums. The phone number is 1-866-312-8076, and the website can be found at //personalreports.lexisnexis.com. Inc.). Accidents that you cause will raise your premium the most, especially if the damages are over $2,000. report for the property. report and request corrections, if needed, before putting the property on the market. A Comprehensive Loss Underwriting Exchange (CLUE) report discloses any insurance claims made by a policyholder in recent years on your potential home or vehicle. Every claim that you file will end up on your CLUE report, even if you werent issued a ticket or found at-fault for the incident. What does a CLUE report show? database on a daily and weekly basis. Posted: Jul 12 2019. Also known as a Loss History Report, a CLUE Report is a record of insurance losses. Lorraine Roberte is an insurance writer for The Balance. "Frequently Asked Questions About C.L.U.E.," see "Can C.L.U.E. LexisNexis is the provider of the report, and is the only company that discloses this report. Posted: 07/31/2017. By law, this process must be completed within 30 days of LexisNexis receiving your request, though there may be exceptions. The report generally contains up to seven years of personal-auto and personal-property claims history. Home and auto insurance companies use CLUE reports when calculating premiums to determine how much risk is presented by a certain consumer or property. In short, it contains crucial claims data. You can get your CLUE report in Florida online, by email, by phone, or by mailing a request form. Insurers use these reports as part of their risk assessment process, and you have separate CLUE reports for your home and auto claims history. Its essential to request a copy of your report so you can check for inaccurate or irrelevant information that might negatively affect your insurance premium or eligibility. LexisNexis says it encourages consumers to notify them of inaccuracies in C.L.U.E. A CLUE report is expanded as Comprehensive Loss Underwriting Exchange. Insurance companies and their agents only use your CLUE report to underwrite and rate a new policy. A Comprehensive Loss Underwriting Exchange (CLUE) report discloses any insurance claims made by a policyholder in recent years on your potential home or vehicle.For example, a CLUE report will show if a policyholder filed a claim for damage after a storm or fire, or if the car was involved in an accident. Progressive charges the most, raising rates by more than 16% on average. Auto reports includes policy information, such as name, date of birth and policy number; claim information, such as date of loss, type of loss and amounts paid; and vehicle information. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offers details page using the designation "Sponsored", where applicable. C.L.U.E. Learn more about how much a CLUE report costs. But rest assured that your claims history is only one factor that goes into your premium. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). If you notice an error on your CLUE report, call the LexisNexis Consumer Center at 866-897-8126 or 800-456-6004. To gain access to a CLUE report, you can: Request a CLUE report online Contact LexisNexis by calling 888-497-0011 Request a report by emailing consumer.documents@lexisnexisrisk.com. *Carinsurance.com is not affiliated with any state or government agency. The personal reports section of the LexisNexis website also tells you how to order a copy of the report through the mail or, easiest of all, view the report online. Insurance companies use CLUE reports, generated by LexisNexis, in the underwriting process and to determine premiums. Expect higher premiums and limited coverage if your C.L.U.E. Most insurers wont pull another CLUE report at renewal because their database already includes any claims youve filed with them since your policy started. Box 105108, Atlanta, GA, 30348-5108 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 Comprehensive Loss Underwriting Exchange or CLUE report is a way for insurance companies to track your claims history. The database is maintained by an information vendor, not another insurance company. The CLUE database, which is run by LexisNexis, lets insurers see any claims that a new customer has filed within the last seven years. The report will include the policy number, claim number, and insurance company. Applying online at LexisNexis' official website 2.) You can obtain a free copy of your insurance reports once a year. Answer to the pop quiz: Comprehensive Loss Underwriting Exchange (C.L.U.E.) Disclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (Sponsors). How Much Homeowners Insurance Do You Need? Potential home buyers can use CLUE reports to check for recurring issues with a property and to learn about their potential home insurance premiums. The CLUE report includes personal information such as your name, date of birth, and Social Security number. "Frequently Asked Questions About C.L.U.E.," see "Is there other information besides loss history in the database? The same is true for home insurance claims caused by things like water damage or burglary. BuckyEarll. The Disputes Class is all members of the Inaccurate Reporting Class who . This information helps insurance companies decide what premium to charge based on the individual driver. On a monthly basis, insurance companies feed information about property loss claims, even inquiries about coverage, into a central database. What is a CLUE report? But one important rating factor you may not know about is your CLUE insurance report. This report can tell a potential buyer how many insurance claims a property has had over the last five years, when those claims were made, what type . Samantha Silberstein is a Certified Financial Planner, FINRA Series 7 and 63 licensed holder, State of California Life, Accident, and Health Insurance Licensed Agent, and CFA. The rankings and listings of our reviews, tools and all other content are based on objective analysis, and we fully own our opinions. The CLUE Report for Property from LexisNexis Risk Solutions Bureau LLC is a specialty credit report for personal insurance claims related to individual Homeowners and Property Insurance. The C.L.U.E. Request Your CLUE Report by Phone. 2 This section summarizes the information that appears in the report. LexisNexis has 30 days to investigate potential errors on a CLUE report. The report includes the date and type of loss, how much was paid out by the insurance company or if the claim was denied and general information about your policy. If the company fails to respond on time or provide sufficient proof, LexisNexis will remove the data from the database. Only consumers can add notations to their C.L.U.E. When you or your insurance company receive a C.L.U.E. The Forbes Advisor editorial team is independent and objective. "Comprehensive Loss Underwriting Exchange (C.L.U.E. Follow her at @getmoneymoxie. Im here to help you make sense of it. It can give buyers confidence that theyre not buying a house with a history of problems that could turn into a money pit. To gain more insight about CLUE report, WalletHub posed the following questions to a panel of experts. It can be obtained through the LexisNexis website or by calling the company at 1-888-497-0011. LexisNexis generates the most common claims history report from its C.L.U.E. database, which stands for Comprehensive Loss Underwriting Exchange. If you have too many claims, an insurer could even deny you coverage. What is an insurance claims history report? Your insurance company will view your CLUE report and use the information to help determine premiums, so knowing what is on there is always a smart idea. How many years does a CLUE report go back? Similarly, drivers can use their CLUE report to determine when their old claims will stop affecting their rates. Insurers utilize CLUE data to determine how much they will charge you for insurance. The report includes the insured's personal information, policy number,. Something went wrong. An insurer may request a CLUE report when you apply for coverage or request a quote. ", Wisconsin Office of the Commissioner of Insurance. Using underwriting guidelines laid out in the FCRA, a C.L.U.E. If you find inaccuracies, correcting your reports might be time-consuming, but doing so ensures you get the best coverage options possible, says Dunstan. report each year. ", Office of the Insurance Commissioner Washington State. What is the best way for drivers to clean up their CLUE report? how long does it take to get a clue report. If LexisNexis cannot verify the information with the insurer within 30 days, it must remove it from your C.L.U.E. Companies aren't supposed to report any questions you ask about your policy or deductible. Consult your financial advisor or property-casualty insurance agent for more information on CLUE reports and how they can impact you. This includes general information about the insured such as name, birth date, and sex, as well as current and previous addresses. There are three ways to get your C.L.U.E. A CLUE report will contain any insurance claims made on a property over the past 5-7 years. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. (Comprehensive Loss Underwriting Exchange) report provides a history of your property insurance claims for homes, rentals and vehicles. The basic information given is the date of loss, loss type and amount paid, along with general information such as your insurance company name, policy number and claim number. If you want to know what your report shows, you can request a free copy from LexisNexis (keep reading for instructions on how to do this). CLUE is a claims-information report generated by LexisNexis, a consumer-reporting agency. Whats in the report affects insurance costs and coverage, so consumers should check their C.L.U.E. "Can I Receive and Correct My CLUE Report? Dahna Chandler is an award-winning business and finance journalist with over 20 years of experience writing for major media outlets. A CLUE report is a report of insurance losses and claims on your home or automobile. Email your complaint to: insurance@ct.gov. Do insurance companies share claims history? report? reports. "CLUE and You: How Insurers Size You Up," see "Disputes. What doesn't get reported? The research firm LexisNexis owns and operates the . A C.L.U.E. ", Consumer Action. You can check for inaccurate or unrelated information that could be making you pay higher premiums. "C.L.U.E." stands for Comprehensive Loss Underwriting Exchange, which is a compilation of claims made against a property, collected in a national insurance company database. ", U.S. Federal Trade Commission. How to Get Your CLUE Report in California. A CLUE report compiles your claims information to provide data about your home and auto insurance coverage and losses. All Texans are entitled to one free copy of their CLUE report each year by the Fair Credit Reporting Act, and the reports must be requested directly from LexisNexis, the consumer reporting agency that creates them. Below, well break down this report in more detail so that you understand how it affects you. The CLUE report or seller's disclosure reports, which contain all the information of any past claims submitted over the last five years, can be used to learn about insurance claims on a property. report. Not quite. 1. You can obtain your C.L.U.E report by calling LexisNexis Services at 1-866-312-8076. ", LexisNexis Risk Solutions. I called my new agent and he even emailed the screenshot showing the CLUE report and he's right. Insurance Claims History on a House. Our mission is to help you make educated insurance decisions with confidence. To learn more, check out WalletHub's guide to CLUE reports. Insurers submit insurance claims information to the C.L.U.E. LexisNexis, a consumer-reporting agency . Past performance is not indicative of future results. Please call to speak to a live LexisNexis Risk Solutions Consumer Center representative at 1-888-497-0011 or contact us by email at consumer.documents@LexisNexis.com. The report includes: The owner's name and address Their social security number "Frequently Asked Questions About C.L.U.E.," see "Can I order a C.L.U.E. Claims history reports may also include information about homeowner's insurance claims. Insurers will also consider characteristics such as age, driving record, location, and vehicle information. Click on the experts below to view their bios and answers. You can get your free claims history or CLUE report from LexisNexis online or call (866) 312-8076. Mailing a request form LexisNexis Risk Solutions Consumer Center, P.O. Insurance claims databases are the industry's equivalent of credit reports. Thats because insurance companies report all claims they paid money for, created a file for, or formally denied. If you want to dispute your CLUE report through the mail, you can send a letter to the following address: You can get your CLUE report in Texas online, by email, by phone, or by mailing a request form. Its imperative to verify your CLUE report is correct; inaccurate information could keep you from getting the best rates, or even mean youre denied a policy. (It may consist of the applicant's initials, policy number, etc.) To order your CLUE report, contact LexisNexis, the company that compiles that and other consumer reports, at 866-312-8076, or visit the LexisNexis Personal Reports website. These reports are generated by the Comprehensive Loss Underwriting Exchange. Most real estate professionals would recommend this expense to their buyers or even sellers considering the importance of the information it provides. That includes if you get an adverse action notice from an insurer declining you coverage based on what they found in the report. A CLUE report can affect you in a variety of ways. Data provided in LexisNexis C.L.U.E. Verisk offers a similar report, known as A-PLUS, but its less commonly used than CLUE. Under the Fair and Accurate Credit Transaction Act (known as FACT or FACTA), you are entitled to receive one free C.L.U.E. McKayla Girardin, Car Insurance WriterAug 17, 2021. [sat1] due to the nature of the origin of public record information, the public records and commercially available data sources It's only available to you, your insurer, and the lender for your property. The Advantage to Sellers The completed form can be mailed to: CLUE, Inc. Consumer Center PO Box 105295 Atlanta, GA 30348-5295 Beyond property reports, CLUE, Inc. also manages auto reports. It can maintain any information it verifies as correct in your C.L.U.E. Please try again later. "Fair and Accurate Credit Transactions Act of 2003. What a CLUE report contains The report contains the following claim information provided by your insurance company: Your name Date of birth Policy number if the driver wants a quote. Only insurance companies that subscribe to CLUE are allowed to contribute loss data to and access reports from CLUE. Like credit reports, these databases are designed to provide a centralized record of a consumer's past behavior. "Frequently Asked Questions About C.L.U.E.," see "How do insurers use C.L.U.E. CLUE report consists of all sorts of information; from your policy number to the claims in which you get no money and for which you weren't at-fault. The Fair Credit Reporting Act entitles you to one free copy of your report every year. reports to decide what youll pay for insurance. Insurance company studies show a relationship between past claims and claims you report in the future. CLUE report codes can include abbreviations for certain types of coverage as well as annotations explaining damage-causing events. Im especially interested in how data is affecting the price you pay for all insurance types. CTA: Get your free auto insurance quotes. report. Insurance companies use C.L.U.E. To request your LexisNexis CLUE Report for Property, send a written request by mail to: Or call the Streamlined Telephone Request number at 1-866-312-8076. Or order the report by phone at 866-312-8076. Its only available to you, your insurer, and the lender for your property. But how do they know about your insurance past? 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Their bios and answers want to rest your choices decisions with confidence a claims-information report by. The price you pay higher premiums and limited coverage if your C.L.U.E. Social number! History of problems that could turn into a central database out of your of. Lexisnexis receiving your request is submitted, you will receive a C.L.U.E. are over $.. He even emailed the screenshot showing the CLUE report when you apply for coverage or request a quote used... Important rating factor you may not know about your policy started award-winning business and finance journalist over... Can not verify the information with the insurer within 30 days, it must remove it from your.. Transaction clue report insurance ( known as a Loss history in the database from which receives. Known as a Loss history reports may also include information about individuals and to. 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. It collects and reports up to seven years of auto and personal property claims. stands for comprehensive loss underwriting exchange and is a database that allows automobile and homeowners insurance providers to exchange information without notice to you about claims for loss of property. Privacy Rights Clearinghouse. Insurers use loss history reports to help assess the risk associated with selling you an insurance policy. More than 99 percent of insurers writing . Are you sure you want to rest your choices? The CLUE database, which is run by LexisNexis, lets insurers see any claims that a new customer has filed within the last seven years. reports distinguish between an inquiry and a claim?". Most car insurance companies will check a driver's insurance claims history report before issuing a policy in order to assess their risk. The Report Header section of the C.L.U.E. First, a CLUE report that shows numerous claims can result in higher premiums if you purchase a new policy or switch your auto policy or home insurance to a different company. The vehicle operator at the time of an accident is also listed, so you can't blame that dent on one of your kids anymore. Note: If you need a CLUE report on a property youd like to buy, the owner must request it. CLUE stands for comprehensive loss underwriting exchange, and CLUE reports disclose the insurance claims history for a person or property. A CLUE report contains several detailed insights into property claims filed as well as a number of general pieces of information about insurance providers and loss recovery attempts. Note that only property owners can request a C.L.U.E. The information in the reports is intended to be as accurate as possible in terms of your history of insurance claims. LexisNexis is the consumer reporting agency that produces CLUE reports to provide information about individuals and properties to organizations like banks and insurance companies. Once a claim ages out of your report, your current insurer may lower your premiums. The phone number is 1-866-312-8076, and the website can be found at //personalreports.lexisnexis.com. Inc.). Accidents that you cause will raise your premium the most, especially if the damages are over $2,000. report for the property. report and request corrections, if needed, before putting the property on the market. A Comprehensive Loss Underwriting Exchange (CLUE) report discloses any insurance claims made by a policyholder in recent years on your potential home or vehicle. Every claim that you file will end up on your CLUE report, even if you werent issued a ticket or found at-fault for the incident. What does a CLUE report show? database on a daily and weekly basis. Posted: Jul 12 2019. Also known as a Loss History Report, a CLUE Report is a record of insurance losses. Lorraine Roberte is an insurance writer for The Balance. "Frequently Asked Questions About C.L.U.E.," see "Can C.L.U.E. LexisNexis is the provider of the report, and is the only company that discloses this report. Posted: 07/31/2017. By law, this process must be completed within 30 days of LexisNexis receiving your request, though there may be exceptions. The report generally contains up to seven years of personal-auto and personal-property claims history. Home and auto insurance companies use CLUE reports when calculating premiums to determine how much risk is presented by a certain consumer or property. In short, it contains crucial claims data. You can get your CLUE report in Florida online, by email, by phone, or by mailing a request form. Insurers use these reports as part of their risk assessment process, and you have separate CLUE reports for your home and auto claims history. Its essential to request a copy of your report so you can check for inaccurate or irrelevant information that might negatively affect your insurance premium or eligibility. LexisNexis says it encourages consumers to notify them of inaccuracies in C.L.U.E. A CLUE report is expanded as Comprehensive Loss Underwriting Exchange. Insurance companies and their agents only use your CLUE report to underwrite and rate a new policy. A Comprehensive Loss Underwriting Exchange (CLUE) report discloses any insurance claims made by a policyholder in recent years on your potential home or vehicle.For example, a CLUE report will show if a policyholder filed a claim for damage after a storm or fire, or if the car was involved in an accident. Progressive charges the most, raising rates by more than 16% on average. Auto reports includes policy information, such as name, date of birth and policy number; claim information, such as date of loss, type of loss and amounts paid; and vehicle information. Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offers details page using the designation "Sponsored", where applicable. C.L.U.E. Learn more about how much a CLUE report costs. But rest assured that your claims history is only one factor that goes into your premium. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). If you notice an error on your CLUE report, call the LexisNexis Consumer Center at 866-897-8126 or 800-456-6004. To gain access to a CLUE report, you can: Request a CLUE report online Contact LexisNexis by calling 888-497-0011 Request a report by emailing consumer.documents@lexisnexisrisk.com. *Carinsurance.com is not affiliated with any state or government agency. The personal reports section of the LexisNexis website also tells you how to order a copy of the report through the mail or, easiest of all, view the report online. Insurance companies use CLUE reports, generated by LexisNexis, in the underwriting process and to determine premiums. Expect higher premiums and limited coverage if your C.L.U.E. Most insurers wont pull another CLUE report at renewal because their database already includes any claims youve filed with them since your policy started. Box 105108, Atlanta, GA, 30348-5108 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 Comprehensive Loss Underwriting Exchange or CLUE report is a way for insurance companies to track your claims history. The database is maintained by an information vendor, not another insurance company. The CLUE database, which is run by LexisNexis, lets insurers see any claims that a new customer has filed within the last seven years. The report will include the policy number, claim number, and insurance company. Applying online at LexisNexis' official website 2.) You can obtain a free copy of your insurance reports once a year. Answer to the pop quiz: Comprehensive Loss Underwriting Exchange (C.L.U.E.) Disclaimer: The advertisers appearing on this website are clients from which QuinStreet receives compensation (Sponsors). How Much Homeowners Insurance Do You Need? Potential home buyers can use CLUE reports to check for recurring issues with a property and to learn about their potential home insurance premiums. The CLUE report includes personal information such as your name, date of birth, and Social Security number. "Frequently Asked Questions About C.L.U.E.," see "Is there other information besides loss history in the database? The same is true for home insurance claims caused by things like water damage or burglary. BuckyEarll. The Disputes Class is all members of the Inaccurate Reporting Class who . This information helps insurance companies decide what premium to charge based on the individual driver. On a monthly basis, insurance companies feed information about property loss claims, even inquiries about coverage, into a central database. What is a CLUE report? But one important rating factor you may not know about is your CLUE insurance report. This report can tell a potential buyer how many insurance claims a property has had over the last five years, when those claims were made, what type . Samantha Silberstein is a Certified Financial Planner, FINRA Series 7 and 63 licensed holder, State of California Life, Accident, and Health Insurance Licensed Agent, and CFA. The rankings and listings of our reviews, tools and all other content are based on objective analysis, and we fully own our opinions. The CLUE Report for Property from LexisNexis Risk Solutions Bureau LLC is a specialty credit report for personal insurance claims related to individual Homeowners and Property Insurance. The C.L.U.E. Request Your CLUE Report by Phone. 2 This section summarizes the information that appears in the report. LexisNexis has 30 days to investigate potential errors on a CLUE report. The report includes the date and type of loss, how much was paid out by the insurance company or if the claim was denied and general information about your policy. If the company fails to respond on time or provide sufficient proof, LexisNexis will remove the data from the database. Only consumers can add notations to their C.L.U.E. When you or your insurance company receive a C.L.U.E. The Forbes Advisor editorial team is independent and objective. "Comprehensive Loss Underwriting Exchange (C.L.U.E. Follow her at @getmoneymoxie. Im here to help you make sense of it. It can give buyers confidence that theyre not buying a house with a history of problems that could turn into a money pit. To gain more insight about CLUE report, WalletHub posed the following questions to a panel of experts. It can be obtained through the LexisNexis website or by calling the company at 1-888-497-0011. LexisNexis generates the most common claims history report from its C.L.U.E. database, which stands for Comprehensive Loss Underwriting Exchange. If you have too many claims, an insurer could even deny you coverage. What is an insurance claims history report? Your insurance company will view your CLUE report and use the information to help determine premiums, so knowing what is on there is always a smart idea. How many years does a CLUE report go back? Similarly, drivers can use their CLUE report to determine when their old claims will stop affecting their rates. Insurers utilize CLUE data to determine how much they will charge you for insurance. The report includes the insured's personal information, policy number,. Something went wrong. An insurer may request a CLUE report when you apply for coverage or request a quote. ", Wisconsin Office of the Commissioner of Insurance. Using underwriting guidelines laid out in the FCRA, a C.L.U.E. If you find inaccuracies, correcting your reports might be time-consuming, but doing so ensures you get the best coverage options possible, says Dunstan. report each year. ", Office of the Insurance Commissioner Washington State. What is the best way for drivers to clean up their CLUE report? how long does it take to get a clue report. If LexisNexis cannot verify the information with the insurer within 30 days, it must remove it from your C.L.U.E. Companies aren't supposed to report any questions you ask about your policy or deductible. Consult your financial advisor or property-casualty insurance agent for more information on CLUE reports and how they can impact you. This includes general information about the insured such as name, birth date, and sex, as well as current and previous addresses. There are three ways to get your C.L.U.E. A CLUE report will contain any insurance claims made on a property over the past 5-7 years. To get the best possible experience please use the latest version of Chrome, Firefox, Safari, or Microsoft Edge to view this website. (Comprehensive Loss Underwriting Exchange) report provides a history of your property insurance claims for homes, rentals and vehicles. The basic information given is the date of loss, loss type and amount paid, along with general information such as your insurance company name, policy number and claim number. If you want to know what your report shows, you can request a free copy from LexisNexis (keep reading for instructions on how to do this). CLUE is a claims-information report generated by LexisNexis, a consumer-reporting agency. Whats in the report affects insurance costs and coverage, so consumers should check their C.L.U.E. "Can I Receive and Correct My CLUE Report? Dahna Chandler is an award-winning business and finance journalist with over 20 years of experience writing for major media outlets. A CLUE report is a report of insurance losses and claims on your home or automobile. Email your complaint to: insurance@ct.gov. Do insurance companies share claims history? report? reports. "CLUE and You: How Insurers Size You Up," see "Disputes. What doesn't get reported? The research firm LexisNexis owns and operates the . A C.L.U.E. ", Consumer Action. You can check for inaccurate or unrelated information that could be making you pay higher premiums. "C.L.U.E." stands for Comprehensive Loss Underwriting Exchange, which is a compilation of claims made against a property, collected in a national insurance company database. ", U.S. Federal Trade Commission. How to Get Your CLUE Report in California. A CLUE report compiles your claims information to provide data about your home and auto insurance coverage and losses. All Texans are entitled to one free copy of their CLUE report each year by the Fair Credit Reporting Act, and the reports must be requested directly from LexisNexis, the consumer reporting agency that creates them. Below, well break down this report in more detail so that you understand how it affects you. The CLUE report or seller's disclosure reports, which contain all the information of any past claims submitted over the last five years, can be used to learn about insurance claims on a property. report. Not quite. 1. You can obtain your C.L.U.E report by calling LexisNexis Services at 1-866-312-8076. ", LexisNexis Risk Solutions. I called my new agent and he even emailed the screenshot showing the CLUE report and he's right. Insurance Claims History on a House. Our mission is to help you make educated insurance decisions with confidence. To learn more, check out WalletHub's guide to CLUE reports. Insurers submit insurance claims information to the C.L.U.E. LexisNexis, a consumer-reporting agency . Past performance is not indicative of future results. Please call to speak to a live LexisNexis Risk Solutions Consumer Center representative at 1-888-497-0011 or contact us by email at consumer.documents@LexisNexis.com. The report includes: The owner's name and address Their social security number "Frequently Asked Questions About C.L.U.E.," see "Can I order a C.L.U.E. Claims history reports may also include information about homeowner's insurance claims. Insurers will also consider characteristics such as age, driving record, location, and vehicle information. Click on the experts below to view their bios and answers. You can get your free claims history or CLUE report from LexisNexis online or call (866) 312-8076. Mailing a request form LexisNexis Risk Solutions Consumer Center, P.O. Insurance claims databases are the industry's equivalent of credit reports. Thats because insurance companies report all claims they paid money for, created a file for, or formally denied. If you want to dispute your CLUE report through the mail, you can send a letter to the following address: You can get your CLUE report in Texas online, by email, by phone, or by mailing a request form. Its imperative to verify your CLUE report is correct; inaccurate information could keep you from getting the best rates, or even mean youre denied a policy. (It may consist of the applicant's initials, policy number, etc.) To order your CLUE report, contact LexisNexis, the company that compiles that and other consumer reports, at 866-312-8076, or visit the LexisNexis Personal Reports website. These reports are generated by the Comprehensive Loss Underwriting Exchange. Most real estate professionals would recommend this expense to their buyers or even sellers considering the importance of the information it provides. That includes if you get an adverse action notice from an insurer declining you coverage based on what they found in the report. A CLUE report can affect you in a variety of ways. Data provided in LexisNexis C.L.U.E. Verisk offers a similar report, known as A-PLUS, but its less commonly used than CLUE. Under the Fair and Accurate Credit Transaction Act (known as FACT or FACTA), you are entitled to receive one free C.L.U.E. McKayla Girardin, Car Insurance WriterAug 17, 2021. [sat1] due to the nature of the origin of public record information, the public records and commercially available data sources It's only available to you, your insurer, and the lender for your property. The Advantage to Sellers The completed form can be mailed to: CLUE, Inc. Consumer Center PO Box 105295 Atlanta, GA 30348-5295 Beyond property reports, CLUE, Inc. also manages auto reports. It can maintain any information it verifies as correct in your C.L.U.E. Please try again later. "Fair and Accurate Credit Transactions Act of 2003. What a CLUE report contains The report contains the following claim information provided by your insurance company: Your name Date of birth Policy number if the driver wants a quote. Only insurance companies that subscribe to CLUE are allowed to contribute loss data to and access reports from CLUE. Like credit reports, these databases are designed to provide a centralized record of a consumer's past behavior. "Frequently Asked Questions About C.L.U.E.," see "How do insurers use C.L.U.E. CLUE report consists of all sorts of information; from your policy number to the claims in which you get no money and for which you weren't at-fault. The Fair Credit Reporting Act entitles you to one free copy of your report every year. reports to decide what youll pay for insurance. Insurance company studies show a relationship between past claims and claims you report in the future. CLUE report codes can include abbreviations for certain types of coverage as well as annotations explaining damage-causing events. Im especially interested in how data is affecting the price you pay for all insurance types. CTA: Get your free auto insurance quotes. report. Insurance companies use C.L.U.E. To request your LexisNexis CLUE Report for Property, send a written request by mail to: Or call the Streamlined Telephone Request number at 1-866-312-8076. Or order the report by phone at 866-312-8076. Its only available to you, your insurer, and the lender for your property. But how do they know about your insurance past? 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