What shows up on a CLUE report?

A C.L.U.E. (Comprehensive Loss Underwriting Exchange) report provides a history of your property insurance claims for homes, rentals and vehicles. “That includes the date of loss, loss type and amount paid, along with general information such as policy number, claim number and insurance company name.”

Do all insurance companies report to clue?

CLUE is a database run by LexisNexis that records up to seven years of claims information. More than 99\% of auto insurance companies and 96\% of home insurance companies report claims to CLUE, making it a valuable resource.

What is a CLUE report from LexisNexis?

CLUE is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report generally contains up to seven years of personal-auto and personal-property claims history.

Do insurance companies report claims to other companies?

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 is a CLUE report for insurance?

C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database produced by consumer reporting agency LexisNexis® that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.

Is there a database of insurance claims?

All-payer claims databases (APCDs) are large State databases that include medical claims, pharmacy claims, dental claims, and eligibility and provider files collected from private and public payers. APCD data are reported directly by insurers to States, usually as part of a State mandate.

How do I find out if a property has an insurance claim?

How to find insurance claims on a property? You can find out about the insurance claims on a property by using the CLUE report or seller’s disclosure reports, that holds all the information of any previous claims that have been filed over the last five years.

How do insurance companies know about claims?

How companies use claims databases. Each time you make a car insurance or homeowners insurance claim, your insurer adds the incident to the CLUE or A-PLUS report. These databases are run by outside agencies — LexisNexis for CLUE and Verisk Analytics for A-PLUS.

Can other car insurance companies see your claims?

Yes, insurance companies share claims history with each other using databases such as C.L.U.E., which is run by Lexis Nexis and contains claims data from more than 99\% of car insurance companies. Insurers can check a driver’s claims history using C.L.U.E. if the driver wants a quote.

What are members of the MIB required to report?

The main function of the MIB is to provide the exchange of underwriting information among its members. Member companies are required to report a coded resume of conditions and findings which may be significant to the proposed insured’s health or longevity thereby helping to mitigate risk and lower costs.

Do insurance companies share your information?

Yes, insurance companies share information. Most insurance companies “subscribe” to a service and purchase reports one at a time for underwriting and pricing purposes. Drivers’ motor vehicle records and CLUE reports are most commonly pulled by insurance companies when determining rates.