What is a CLUE Report?

CLUE (Comprehensive Loss Underwriting Exchange), is a claims-information report generated by a company called LexisNexis. The report typically contains up to seven years of personal auto claims history.

A car insurance company will check your CLUE report when assessing your risk factor. Based on your history of car insurance claims, the car insurance company might charge higher or lower rates. A driver with a history of high-value claims will pay more for car insurance than a driver with no claims history.

LexisNexis also tracks claims history for property insurance, and a CLUE report can include seven years of property damage liability claims. For the purposes of this article, however, we’re assuming you’re interested in CLUE reports and how they relate to car insurance.

What’s in a CLUE Report?

clue report for car insuranceA CLUE report contains information from your insurance company about any claims made on your vehicle or on your insurance policy. Typical information on a CLUE report will include:

  • Your name
  • Date of birth
  • Policy number
  • Date of loss
  • Type of loss
  • Amount of compensation the company paid
  • Description of the covered property

Your Insurance Company Will Report Almost Every Claim, Including Denied Claims

A CLUE report is designed to feature your comprehensive insurance history. Your insurance company divulges all details about your claims history to LexisNexis, and all of this information will appear on your CLUE report.

Insurance companies report all claims for which they:

  • Pay out money
  • Set up a file for a possible claim
  • Formally deny a claim

Essentially, your CLUE report includes all of your formal interactions with your insurance company. The only interactions that don’t appear on a CLUE report are the times when you call your car insurance company to ask basic questions about your policy.

How Do Insurance Companies Use CLUE Reports?

Insurance companies might request a CLUE report when you apply for coverage. Let’s say you’re comparing car insurance quotes online. You request a quote from your insurance company and fill in your claims history. The insurance company will verify that information by requesting a CLUE report.

An insurance company’s job is to offer you coverage based on your risk. What is the likelihood of the driver making a claim on his or her policy? How much will that claim cost the insurance company?

Based on your claims history in your CLUE report, the insurance company will provide a rate based on your assumed level of risk.

Drivers with a CLUE report showing multiple high-value claims will pay for more car insurance than drivers with a clean CLUE report.

You Can Order a CLUE Report for Free

LexisNexis works in a similar way to credit bureaus: they’re a consumer reporting agency. Like a credit bureau, LexisNexis allows you to request a CLUE report to view your own personal history.

The Fair Credit Reporting Act allows you to request one free copy of your CLUE report. You can request your copy online today at the LexisNexis website or by phone at 866-312-8076.

We recommend checking your CLUE report periodically. If you feel you’re paying unusually high prices for car insurance, then there might be an error on your CLUE report.

Another reason to ask for a CLUE report is to add information to it: you can add information to your CLUE report and have that information appear in all future reports. You might explain a particularly high claim, for example. When an insurance company requests your CLUE report, the company will see your explanation.


The Comprehensive Loss Underwriting Exchange, or CLUE, is a database of information about insured individuals in the United States. You can order CLUE reports for property insurance or car insurance.

The report itself contains a comprehensive list of claims history for that individual. The report includes the name of the driver as well as the driver’s policy number. It also includes the dates, loss types, and amounts of any claims. The report even features claims that have been denied in the past.

Everyone is entitled to receive their own free CLUE report once per year. It’s recommended that you check your CLUE report for any errors or inconsistencies. Car insurance companies will request a CLUE report when you request a car insurance quote.

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