What Information Is On A CLUE Report?

How long does an accident stay on your CLUE report?

seven yearsA CLUE report is a database of insurance claims managed by LexisNexis—a credit reporting agency that maintains certain data on drivers.

The major automobile insurance companies make a monthly report of their losses to CLUE.

The information about you on the report can go back as far as seven years..

Do I really need house insurance?

Turns out, homeowners insurance isn’t required by law. But just like buying sunscreen, it may help you avoid a helluva lot of trouble in the long term. Whether you’re thinking of buying a house, or you’re already in the process, homeowners insurance is definitely a term you’ll come across.

Why do insurance companies use LexisNexis?

They are used by insurers to help decide whether to sell you a policy and to set your rate. … LexisNexis also sells a product called “Attract with Claims” to auto insurers. It combines credit information and your previous claims history to predict your future claims level.

How do I contact LexisNexis?

Please complete the following form to have a LexisNexis ® representative contact you or call 1-888-AT-LEXIS. For Customer Service questions, please see the Contact Customer Support page or speak to someone directly, call us at 1-800-543-6862.

What does a CLUE report show?

A Comprehensive Loss Underwriting Exchange (CLUE) report is a loss history report that includes any insurance claims a home has had in the last few years. For example, a CLUE report will show if a property suffered major damage after a storm or had flood damage.

How do I find my CLUE report?

You can obtain your C.L.U.E report by calling LexisNexis Services at 1-866-312-8076. 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.

Who orders a CLUE report?

Only the owner of a property or an insurer can request a C.L.U.E. report. The request must come from the property seller/owner if you’re representing the buyer. Reports for a primary residence can be ordered on the internet. The C.L.U.E. report is now part of LexisNexis.

Do insurance companies share claims history?

Yes. There are specialty consumer reporting agencies that collect information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies. They may also collect driving records. … Keep in mind that not every agency will have information on everyone.

What does clue mean in insurance?

Comprehensive Loss Underwriting ExchangeCLUE (Comprehensive Loss Underwriting Exchange)

What does clue mean?

Comprehensive Loss Underwriting ExchangeC.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database generated by LexisNexis® enabling insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.

Can you dispute LexisNexis?

Review your file and correct errors If you find an error in your report, begin the dispute process by either calling or mailing LexisNexis. The company will then send you paperwork to fill out, including a request for identification.

Do insurance companies talk to each other?

Insurance companies don’t contact one another to discuss an individual’s motor vehicle records and insurance claims history in order to determine their rates for coverage. … Rather, virtually every insurance company “subscribes” to a service and purchase reports one at a time for underwriting and pricing purposes.

How long do car insurance claims stay on your record?

three yearsIn most states, car accidents and reported claims will fall off of your record after three years. In some states the drop off period is after five years.

Can you look up insurance claims on a house?

While you may not have a clue about a home’s past insurance claims, your insurer certainly does. There are two major property claim databases that contain loss history reports, C.L.U.E. (Comprehensive Loss Underwriting Exchange) and A-PLUS (Automated Property Loss Underwriting System).

Why did LexisNexis request my driving record?

Using driving records to price life insurance LexisNexis uses motor vehicle records and other publicly available data in its software tool for evaluating life insurance applicants.

How do you correct a CLUE report?

How to fix your CLUE report. If you discover an error on your CLUE report, for example, an invalid claim report or an incorrect loss payment, you can contact LexisNexis directly by calling 888-497-0011 or 866-312-8076 and report the problem.

How do I order a CLUE report online?

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.

What information does LexisNexis have on me?

Background Investigation If any company ever pays LexisNexis to perform a background check on you, LexisNexis will keep the information for future sales purposes. This may include your full date driving record and your personal credit file.