Get a C.L.U.E. about your claims history

Written by Andrew Freiburghouse and Gary Bangstad on January 17, 2012 & Posted in Auto Insurance

Are you wondering how your new car insurance company found out about a claim made against your old policy that you forgot to tell them about on your application? Maybe it was a few years back, and there wasn't a police report or a notation on your driving record.

So just how did your new insurance company uncover this information?

There's a report for that

Your new car insurance company simply pulled a report from a property loss database that shows your claims history. There are a few reports available to insurance professionals, but the one most insurance companies use is the Comprehensive Loss Underwriting Exchange (C.L.U.E.) report. As a result, all loss reports of this type are commonly referred to as "C.L.U.E. reports."

LexisNexis Risk Solutions maintains the original, official C.L.U.E. report and provides a requester with a seven-year history of automobile insurance property losses associated with an individual driver. The report supplies the type of loss, date of loss and information on the insurance company that paid out the claims. It also provides the associated policy and claims numbers.

How the database gathers and reports information

Each month, insurance companies provide information about property loss claims to central property loss databases maintained by independent vendors, such as LexisNexis. When needed, a loss report on an individual can be ordered.

Not just anyone case nose around your property loss information. As part of the application process for auto insurance, you give the insurance company the right to access information (such as a property loss report) that is necessary for its underwriting process.

When you apply for a car insurance policy, the new auto insurance company will request a copy of your C.L.U.E. report and compare it to the claims you've listed on your insurance application. If they find something you forgot to put on your application, it could affect your quoted car insurance rate since the insurer will recalculate your risk using this new information.

Get your own copy

The good news is you can check your C.L.U.E. auto report for free once every 12 months. That way, you'll know what an insurer will see.

Getting your copy is easy. Just fill out a request at the LexisNexis site and the report will be available immediately for you to view and print. The whole process takes less than five minutes.

If you believe there are errors on your C.L.U.E. report or something on the report needs an explanation, contact LexisNexis Risk Solutions at 1-866-820-8976.

About the Author

Andrew Freiburghouse is a writer and businessman. As a partner at Los Angeles tax preparation firm Pronto Income Tax of California, Inc., Andrew has served thousands of clients both face to face and over the telephone. Currently, Andrew lives in Brooklyn, NY, and is in the process of starting up his own tax practice.

Gary P. Bangstad, Ed. D. is a freelance writer in the area of business and insurance. Previously, he worked for Midwest Financial Planning LTD, selling insurance and investment products. He has also taught music at the university level.

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