How far back does CLUE report go?
Asked by: Jarret Predovic II | Last update: February 9, 2023Score: 4.3/5 (59 votes)
How long is loss history kept in the C.L.U.E. database? The database contains up to seven years of personal property claims history.
Can I get a copy of 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.
What does a CLUE report show?
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 all insurance companies report to clue?
Do All Insurance Companies Report to CLUE? More than 99% of auto insurance companies and 96% of home insurance companies contribute to CLUE, according to LexisNexis. Only insurance companies that report information to CLUE can also withdraw information from the LexisNexis database.
How do you clear 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.
What is a CLUE Report?
Can insurance companies check previous claims?
Most car, home and travel-insurance providers submit information to CUE, which typically stores details of insurance claims for six years. Insurance providers use CUE to calculate the cost of your premium, based on your claims history, so always be accurate and honest about any past claims when you buy car insurance.
Can I view my CLUE report online?
You can view your CLUE report online by going to the LexisNexis website and filling out their electronic request form. LexisNexis is the consumer reporting agency that produces CLUE reports to provide information about individuals and properties to organizations like banks and insurance companies.
What if my CLUE report is wrong?
If you see an error in your CLUE report, such as an incorrect claim, then it's important to dispute the error by contacting LexisNexis as soon as you can. You can contact LexisNexis by calling their Consumer Center at 888-497-0011.
What is LexisNexis CLUE report?
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.
How can I check my insurance record?
Your current insurer should be able to provide you with all information related to your claim history, even if you've switched companies over the years. Simply get in touch with them and ask for a report. You can also contact CUE, the Claims and Underwriting Exchange.
CAN I GET A CLUE report on a house I want to buy?
A C.L.U.E. report can only be requested by the owner of a property or an insurer, so if you are planning to buy a home and want to review a C.L.U.E. report, you will have to ask the owner to request it.
What information do insurance companies have access to?
Insurance companies will ask for personal information such as your Social Security number and birth date to confirm your identity. They may also want to know what your salary is because they might limit how much insurance you can get based on your annual earnings.
Do insurance companies use LexisNexis?
We use the information from LexisNexis® Risk Insights to create an insurance risk score. Insurers may use this at quote or renewal as one of the factors to help inform their risk assessment and to help them to decide on how to price your policy.
How do you get a LexisNexis CLUE report?
Please call to speak to a live LexisNexis Risk Solutions Consumer Center representative at 1-888-497-0011 or contact us by email at consumer.documents@LexisNexis.com. To submit a request, you are required to provide your First Name, Last Name, Street Address, City, Zip, and Date of Birth.
How long do LexisNexis items last?
All items remain in History for 90 days. While you cannot delete items from your History, the items are automatically and permanently removed after the 90 days. Items you printed or downloaded are available for 1 day. Any research done under Public Records appear in History but have different durations.
What database do insurance companies use?
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. If your insurer is a customer of both, it might use both reports.
Which report shows information about a drivers previous claim history?
MVR, or motor vehicle report, is the official record of your driving history. CLUE, or comprehensive loss underwriting exchange, is a five to seven year history of property damage claims you have filed with your insurance company for either your car or your home.
Why did LexisNexis request my driving record?
LexisNexis uses motor vehicle records and other publicly available data in its software tool for evaluating life insurance applicants. The tool's algorithm produces a score based on the data for each applicant. Life insurance companies can use the scores to help price policies.
How long do insurers keep records?
Insurance Records with an (Employers Liability element) – 60 years. Liability records (other than Employers Liability) – 12 years. Other General Insurance Records – 7 years.
Can I check cue database?
In order to see the information the CUE database has about you, simply make a free data subject access request using the Motor Insurance Bureau's (MIB's) subject access form. On the form you are given the option to receive your information by email or post, whichever is best for you.
How many accidents can you have before your insurance drops you?
Although there is no limit to how many car insurance claims you can file per year, you will find that most car insurance companies will notify you that your policy could be dropped soon if you file two claims within two years. Once you file a third claim, there is a chance that the insurer will drop you.
How do I remove an item from LexisNexis?
To request a LexisNexis opt-out, you must submit an online form. After this, it may take up to 30 days for your information to be removed.
What data does LexisNexis collect?
The report includes items such as real estate transaction and ownership data, lien, judgment, and bankruptcy records, professional license information, and historical addresses.
Does state Farm insurance use LexisNexis?
State Farm is the one major insurance company that utilizes its own system to calculate the risk level for each of its drivers, but there may be smaller, independent insurance agencies in your neighborhood that don't use LexisNexis. Shop around to find the right auto insurance company for you.
Can you lie to insurance companies?
Lying to your insurance company can get you into big trouble. Even if the lie seems small, it's insurance fraud. You are knowingly deceiving your insurance company to benefit, which can result in jail time, fines, and license suspension. While changing your coverage to collision insurance is temptin, don't do it.