Do all insurance companies use the clue report?
Asked by: Prof. Casimer Metz | Last update: December 5, 2025Score: 4.2/5 (29 votes)
What insurance company doesn't use Clue?
Root, Metromile, and Mercury Insurance lead as the best car insurance companies that don't use LexisNexis. Root is the cheapest insurance company that avoids LexisNexis, with rates starting at $16/month. Low-mileage drivers get the best insurance quotes from companies without LexisNexis CLUE reports.
Who has access to a clue report?
Under the federal Fair Credit Reporting Act, C.L.U.E. reports can be accessed only by the owner, insurer, or lender of the property. However, you can ask the current owner of the property to order a C.L.U.E. report.
What report do insurance companies use?
An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it'll offer you coverage and how much you'll pay.
How to get accident removed from clue?
If you want to fight it off your record, you'd need to look up your CLUE report from LexisNexis and open a dispute regarding that claim. You can use the proof provided by the insurance company. If you have any questions, don't hesitate to ask.
What Is an Insurance CLUE Report?
Can you dispute a clue report?
If you discover an error on your C.L.U.E. report, such as an invalid claim report, or an incorrect loss payment, you can contact LexisNexis® directly and report the problem. LexisNexis® will then contact the insurance company on your behalf, ask for clarification, and notify you of the results within 30 days.
How far back does a clue report go?
A CLUE report provides a history of all insurance claims made on a specific property or vehicle over the past seven years. They're generated by analytics firm LexisNexis to help insurers decide whether to approve or deny coverage, how much coverage to provide and what premiums to charge.
Can I see my clue report online?
Pursuant to the Fair Credit Reporting Act, you may request a Consumer Disclosure Report online via the Online Request Form. Once we have verified and processed your report request, you will receive a letter via U.S. Mail with additional information explaining how to access your report online.
How much is a clue report?
Homeowners can request a CLUE report once every 12 months. Since reports are issued free of cost to homeowners, they need not worry about CLUE report costs. CLUE report issuers typically provide a free report within 15 days of receiving a request from a homeowner.
How long do accidents stay on your record?
In the state of California, most vehicle accidents will stay on your record for around 3 years. However, more serious traffic violations will follow you for longer. For example, a DUI conviction will stay on your record for 10 years.
Can other insurance companies see your claims?
Every insurer scopes out your recent claims history as well as the claims history for the home when you switch insurance companies or purchase a new policy. This helps them price your policy. You should note, however, that not every insurer looks through your entire claims history.
What is the difference between a clue report and an MVR?
How is a CLUE report different from an MVR? While CLUE auto reports focus more on the vehicle, a Motor Vehicle Report (MVR) relates more to the driver. MVRs include personal information from a driver's license, such as the driver's height, eye color, and weight, so it's not as freely available as a CLUE auto report.
Do all insurance companies report to clue?
Most home and car insurance companies regularly submit claims information to the CLUE database, which is maintained by LexisNexis.
What should I not tell my insurance company?
The insurance adjuster doesn't need to hear your entire life story. Sharing personal anecdotes or irrelevant experiences might even hurt your claim. Stick to the facts and avoid extra details about your family, job history, prior injuries, or unrelated accidents.
Do you have to pay to use clue?
The app allows you to track your periods on the free version. Once a you have put a number of cycles worth of data it can predict your next period, fertile period and follicular phase.
How do insurance companies know about previous claims?
In regards to your insurance claims, though, insurance companies can see a CLUE report (Comprehensive Loss Underwriting Exchange) that tracks seven years of claims information, such as the type of claim and the payout that was made.
Can I look myself up on LexisNexis?
You may order information on yourself by filling out a request, which must include proper identification. If you have questions or need to submit documents, you can do so via our LexisNexis Risk Solutions Reports Help page.
How do I clear my clue report?
If you discover an error on your CLUE report (such as an invalid claim report or an incorrect loss payment, for instance) you can contact LexisNexis directly to report the problem. LexisNexis must contact the insurance company on your behalf and ask for verification.
How many claims are too many for homeowners insurance?
How many home insurance claims are too many? If you've filed more than three claims in the last year, you'll likely face higher premiums, and it may become more difficult to get insurance coverage at all (via Money Crashers).
What report do auto insurance companies use?
How do insurance companies get CLUE reports? Alongside personal information like your address, age and credit score, car insurance companies assess your CLUE report when putting together your insurance policy. The report provides a snapshot of your driving history, helping set your future insurance rates.
Do home insurance companies share information with each other?
Do auto and homeowners insurance companies share my information about claims? Yes. There are specialty consumer reporting agencies that collect and report information about the insurance claims you have made on your property and casualty insurance policies, such as your homeowners and auto policies.
How many accidents before insurance kicks you off?
Be smart with future claims
Filing more than three claims in a three-year period can put you at risk of having your car insurance policy non-renewed or canceled.
What company reports accidents to insurance companies?
LexisNexis C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims information exchange. It collects and reports up to seven years of auto and personal property claims. It also provides insurance risk scores to help inform pricing and underwriting decisions for the insurance industry.