What is a CLUE Report and How Does it Affect Insurance?

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A CLUE report is a personalized insurance profile on your claim history that covers the last five to seven years. Also known as a Comprehensive Loss Underwriting Exchange report, insurance companies use them to track your insurance claim history.
So, if you switch providers and that fender bender is still impacting your premiums, you have your CLUE report to thank.
To help you better understand CLUE reports and how they can impact your car insurance premiums, the car insurance comparison shopping app Jerry has compiled everything you need to know.
But even if you have an extensive CLUE report, you don’t have to settle for sky-high car insurance premiums. Just download the Jerry app, answer a few questions that take roughly 45 seconds to complete, and you’ll be presented with competitive quotes from up to 40 top providers—it’s that easy!
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What is a CLUE report?

A CLUE report is a personalized insurance profile on your claim history that covers the last five to seven years. Incurred losses that you properly file through your insurance provider are tracked on your CLUE report through a centralized database run by LexisNexis.
Insurers exchange this information to set rates and premiums, which means your insurance history is available even when you switch providers. In other words, your loss history doesn’t just disappear.
Knowing what’s on your CLUE report is important if you want to get the lowest insurance rates possible—and regularly comparing insurance quotes using tools like Jerry can help, too.
In less than 45 seconds, Jerry collects all of your information from your existing insurer and lets you compare quotes, guaranteeing that you get the right insurance plan for your needs and personal loss history.
Key Takeaway Insurance claims stay on your CLUE report for five to seven years and can impact your premium.
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What’s included in a CLUE auto report?

Your CLUE report will likely include (but is not limited to) the following information:
CLUE Auto Report Components
Your name and address
Social security number
Driver’s license number
Previous or current insurance provider’s name
Insurance policy number
Claim number
Date of loss
Type of loss
Amount your insurance company paid out
Your vehicle’s identification number (VIN)
Year, make, and model of your vehicle
Any other relevant information
Key Takeaway Your CLUE report includes personal, vehicle, and claim details for any claims made during the reporting period.

How to get a CLUE report

As part of the Fair Credit Reporting Act, you are entitled to one free copy of your CLUE report each year. You can request your report by phone, by mail, or directly through the LexisNexis website.
When you’re requesting your free annual CLUE report, you can also ask for a copy of your personal property report or an auto report at the same time. If you need any additional copies of your report or want to access it more frequently than once per year, there is a fee of $19.95 each.

How do insurance companies access CLUE reports?

CLUE reports are maintained by the research company LexisNexis. Insurance companies feed information about claims (and potentially claim inquiries) through the centralized database approximately once per month.
Insurers have access to this database and information, which is how your CLUE report can be exchanged between providers.
If you’re worried about your insurance rates because you have a lengthy CLUE history, don’t be. The car insurance comparison app Jerry can help you find the right coverage for the cheapest price—all without the usual hassles that come with buying an insurance policy.

Frequently asked questions

Can I dispute claims on my CLUE report?

Yes, LexisNexis has a dispute resolution procedure. To submit a dispute, contact LexisNexis in any of the following ways:
If your dispute is successful, they have 30 days to fix the error in your report.

What’s the difference between an MVR and a CLUE report?

A Motor Vehicle Report (MVR) is a record of a driver’s personal driving history, including moving and non-moving motor violations. Unlike an MVR, a CLUE report focuses on your history of claims and losses, not traffic violations.

Can my CLUE report be blank?

Yes, you may have a blank CLUE report for one of two reasons:
  1. You have not filed a claim through your insurer in the past seven years. Whether because you did not properly file the loss or because you have not incurred any losses, this could result in a blank CLUE report.
  2. Your insurance company does not file CLUE reports. It may be rare, but some insurance providers do not participate in the LexisNexis database. This could result in a blank CLUE report—but if you switch providers, you could have a report built on your profile.
A blank CLUE report isn’t cause for concern.

Can I still find insurance if I have an extensive claim history?

No matter your personal claims history, you can always still find attractive and competitive savings with services like Jerry. Jerry takes the hassle out of comparing car insurance quotes—and the average user saves $879 per year!
Here’s what a Jerry customer with a lengthy CLUE report had to say:
“Better than any other insurance app I’ve ever used. I’ve tried lowering my insurance through other means, even other apps that compare insurance. I don’t have the best driving record and I have a lot of claims piled up on my CLUE report. But with Jerry, I found the right coverage for me while saving major bank.” —Satisfied Jerry Customer
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