What is a CLUE Report?
Written by The Clearcover Team | 2 minute read
Let’s talk about the CLUE car insurance report. Every driver has a CLUE report, but very few drivers know about it. And what’s on your CLUE report has a big effect on how much you pay for car insurance.
So we’re going to break this down for you. Here’s what you need to know about CLUE.
First, what is a CLUE report, anyway?
CLUE stands for Comprehensive Loss Underwriting Exchange.
Don’t be intimidated by the long name. CLUE is simply an ongoing record of information that’s pertinent to your car insurance claims history. It includes personal info (like your name, date of birth, and address) as well as more detailed information related to your car insurance claims history.
CLUE reports are administered and stored by LexisNexis, and insurers report to them any time they’ve got something important to add to your report. (We’ll talk more about that in a minute.)
In short? If you’ve filed a car insurance claim in the last seven years, it’s on your CLUE report.
Get a Copy of Your CLUE Report
Call 888-497-0011 or visit the LexisNexus Consumer Portal.
Okay. What do drivers need to know about the CLUE report?
1) The CLUE report has a big effect on your car insurance rate.
Every car insurer pulls your CLUE report as part of the quoting process. That’s because the CLUE report is the single best source of information out there on your claims history. Basically, looking at your CLUE report helps insurers better evaluate your risk.
If your CLUE shows a squeaky clean claims record, you are more likely to receive a lower rate than if your CLUE shows a few accidents and a claim.
2) The CLUE report contains a bunch of information about you.
For the most part, the CLUE contains pretty obvious stuff— your basic identifying information and a record of any auto claims you’ve been involved in.
The CLUE report only shows your claims for the last seven years. So if you were in a minor fender-bender from a few years back, it won't be on your CLUE report forever.
3) You can (and should) check your CLUE report yourself.
CLUE reports are usually accurate. But it’s a smart idea to check your CLUE for any errors, especially since the report has such a big effect on your car insurance rate. A simple data entry problem can cost you a lot of money if it’s not caught.
The good news: you can check your CLUE report once a year—for free.
The good news: you can check your CLUE report once a year—for free. Get your free CLUE report at LexisNexis. If you haven’t checked yours in a while (or ever), we recommend that you get yours now. If you find any errors, you can file a dispute with LexisNexis (get more info on filing a CLUE dispute).
There are a few other times it’s smart to check your CLUE report. It’s a good idea to look at it before shopping for new car insurance quotes, just to make sure everything is accurate. Also, you should check CLUE after you file a car insurance claim to make sure all the information is entered correctly.
So, that’s the CLUE report. We hope we’ve answered all your questions!
