What is a C.L.U.E report and how does it work?

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A C.L.U.E. report — short for Comprehensive Loss Underwriting Exchange — is a detailed record of your personal insurance claims history. It lists every auto or property insurance claim you’ve filed, or that’s been filed against you, over the past seven years.

Insurance companies use C.L.U.E. reports, which are compiled by LexisNexis, to assess your risk level before issuing or renewing a policy. The report includes information such as the date and type of each claim, the amount paid, and the type of loss, such as collision, theft, or fire.

Essentially, a C.L.U.E. report functions like a credit report for insurance — it helps insurers predict how likely you are to file future claims and can directly influence your premiums or even your ability to get coverage.

What information does a C.L.U.E. report include?

Insurance companies use your C.L.U.E. report to review up to seven years of auto insurance claim history — including claims you’ve filed and those reported by other insurers. This helps them evaluate your risk level when you apply for new coverage or renew an existing policy.

Each report contains key identifying details and claim information, such as:

• Insured’s name and property address
• Date of birth and Social Security number (if provided)
• List of previous insurance claims, both paid and denied
• Type of each claim, such as collision, liability, theft, or fire
• Fault status indicating whether you were responsible for the loss
  

C.L.U.E. reports aren’t limited to auto insurance. You can also request a homeowners version that lists any property insurance claims, such as fire, water, or weather-related damage.

Together, these reports give insurers a comprehensive look at your claims history — much like a credit report gives lenders insight into your financial reliability.

Reading a C.L.U.E. report

How insurers use your C.L.U.E. report

When you apply for new auto or homeowners insurance, companies use your C.L.U.E. report to review your recent claim history. It helps them:

• Verify information on your application
• Identify frequent or high-value claims
• Spot patterns that might indicate higher risk

Even small or unpaid claims can appear in the report, and their presence alone can influence your quote — especially if several occurred in a short period.

How your C.L.U.E. report can affect insurance rates

Your claims history plays a major role in how insurers calculate your premium. Multiple or high-cost claims in your C.L.U.E. report can make you appear to be a higher-risk driver or homeowner, leading to increased rates or fewer coverage options. Insurers may also view frequent claims — even small ones — as a pattern that suggests you’re more likely to file again.

That said, not every claim affects your premium equally:

• Older or minor claims may have little or no impact, especially if they’re several years old.
• Recent or repeated claims usually weigh more heavily and can influence your quote right away.
• Each insurer reviews claims differently, so one company might overlook a small claim while another could factor it in.
  

If you’re facing higher rates, shopping around can make a big difference. Different insurers use unique scoring models, and a clean recent record can help you qualify for better pricing elsewhere.

How to request your C.L.U.E. report

You have the legal right to access your C.L.U.E. report for free once every 12 months under the Fair Credit Reporting Act (FCRA). Checking your report regularly helps you stay aware of what insurers see — and catch potential errors before they affect your rates.

To get your report:

1. Visit LexisNexis Personal Reports.
2. Create an account or sign in to your profile.
3. Submit a request for your auto or property insurance report.
   

Reports are typically available online within minutes or sent by mail upon request. Review your report carefully for accuracy, especially before applying for new coverage or switching insurers.

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How to dispute errors in your report

Errors in your C.L.U.E. report — such as claims you didn’t file, incorrect dates, or outdated policy details — can unfairly raise your insurance costs. Fortunately, you have the right to dispute inaccurate information and have it corrected.

To file a dispute:

1. Contact LexisNexis Risk Solutions in writing or through their online dispute form.
2. Include supporting evidence, such as claim closure letters, correspondence with your insurer, or repair receipts.
3. LexisNexis must review and respond within 30 days of receiving your dispute.

If the investigation confirms your claim, LexisNexis will correct the report and notify any insurers who accessed it recently. Keep copies of all documentation for your records — it can help if the same issue reappears later.

The bottom line

Your C.L.U.E. report is one of the most important behind-the-scenes factors influencing your insurance rates. A clean report can help you secure better premiums, while errors or frequent claims may cost you.

By checking your report annually, understanding how it’s used, and correcting inaccuracies, you can take control of your insurance reputation — and potentially save money the next time you shop for coverage.