How long does it take to get a clue report?

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It takes an average of two weeks (about 15 days) to receive a C.L.U.E. (Comprehensive Loss Underwriting Exchange) report after submitting a request.

How to Get Your Report

  • Request online or by phone: You can order your free annual report through LexisNexis Risk Solutions or by calling 866-312-8076.
  • Check the status: If it has been more than two weeks and you have not received your report or a confirmation update, contact LexisNexis directly for assistance.

Can I see my clue report online?

You can request your Comprehensive Loss Underwriting Exchange (CLUE) report online through the LexisNexis Consumer Disclosure Request Portal.

How the Online Process Works

  • Submit the form: Fill out the online secure form with your full name, current address, date of birth, and either your Social Security number or driver's license number.
  • Identity verification: LexisNexis performs an online identity check.
  • Delivery: You cannot instantly view the full report directly on your screen for security reasons. LexisNexis will typically mail you a secure PIN or a physical copy/letter with instructions on how to access your disclosure report digitally.

Alternative Ways to Request Your Report

  • By phone: Call LexisNexis consumer support at 1-866-312-8076 or 1-866-897-8126.
  • By mail: Print and mail a request form to LexisNexis Risk Solutions Consumer Center, P.O. Box 105018, Atlanta, GA 30348.

What shows up on a clue report?

A CLUE (Comprehensive Loss Underwriting Exchange) report details up to seven years of personal auto and property insurance claims history maintained by LexisNexis.

What is Included in a CLUE Report

  • Personal Information: Policyholder name, date of birth, and policy number.
  • Claim Specifics: Date of loss, type of loss (e.g., wind, water damage, collision), and the status of the claim (opened, denied, or paid out).
  • Financial Payouts: The total amount the insurance company paid out for the claim.
  • Property or Vehicle Data: For home reports, the property address and description; for auto reports, the vehicle make, model, and Vehicle Identification Number (VIN).
  • Insurance Company: The name of the insurer that handled or reported the claim.

What is Excluded

  • General Inquiries: Simple questions or phone calls made to an insurance agent or company to ask about coverage or deductibles where no formal claim is opened.
  • Non-Insurance Data: Credit scores, criminal records, or general financial histories.

How long does an accident stay on your clue report?

An accident claim stays on your Comprehensive Loss Underwriting Exchange (CLUE) report for seven years from the date of the loss.

Details on CLUE Reports and Accidents

  • Visibility: LexisNexis keeps auto and property insurance claims visible on your report for a full seven years before they automatically drop off.
  • Rate Impact: Even though the accident remains visible for seven years, many insurance companies only look back three to five years when calculating your insurance rates or deciding your premiums.
  • Included Claims: The report lists any insurance claim filed, including at-fault crashes, not-at-fault incidents, and paid or denied claims.
  • Difference from DMV: A CLUE report tracks insurance claims, which is separate from your state Department of Motor Vehicles (DMV) driving record. DMV records typically track traffic violations and points for a shorter period, such as three years.

How far back does a clue report go?

A CLUE report typically goes back seven years from the date of the loss.

Key Details About CLUE Reports

  • Retention Period: Insurance claims (both auto and property) generally stay on a LexisNexis C.L.U.E. database for up to seven years before automatically falling off.
  • Underwriting Impact: While claims remain visible on the full report for seven years, most insurance companies only look at the last three to five years of history when calculating your rates or deciding whether to offer coverage.
  • What is Included: The report shows formal claims, payouts, and denials, but it excludes simple policy or deductible inquiries where no actual claim was filed.
  • Free Access: You are legally entitled to one free copy of your CLUE report every 12 months.

What you need to know about your CLUE report

9 related questions found

How long does it take to receive a clue report?

It takes an average of two weeks (about 15 days) to receive a C.L.U.E. (Comprehensive Loss Underwriting Exchange) report after submitting a request.

How to Get Your Report

  • Request online or by phone: You can order your free annual report through LexisNexis Risk Solutions or by calling 866-312-8076.
  • Check the status: If it has been more than two weeks and you have not received your report or a confirmation update, contact LexisNexis directly for assistance.

How to clear a clue report?

To delete specific entries or all data, follow the official instructions in the Clue Data Management Guide.

Delete Specific Tracked Data

  • Open the Clue app and go to Calendar View.
  • Double-tap the date with the data you want to change.
  • Tap the highlighted tracking option you want to remove to deselect it.
  • Tap Save to confirm your changes.

Permanently Delete All Data and Account

  • Open the Clue app and open the More Menu (=) in Cycle View.
  • Tap Support, then select Account Questions.
  • Scroll down and tap How do I delete my account?
  • Enter your current password and tap Delete account.

How much does a clue report cost?

A personal CLUE report is free once every 12 months under the Fair Credit Reporting Act. If you need to request additional copies within that same 12-month window, the cost is $19.95 per report.

Key Facts About Getting Your Report

  • Who Issues It: The Comprehensive Loss Underwriting Exchange (CLUE) database is managed by LexisNexis Risk Solutions.
  • How to Order: You can request your free annual report online through the LexisNexis Consumer Portal or by calling their customer service line at 1-866-897-8126.
  • Home Buyers vs. Sellers: If you are buying a home and want to see its 7-year insurance claim history, only the current homeowner can pull the report. You must ask the seller to request their free copy and share it with you before closing.

What not to tell your insurance company?

Never admit fault, apologize, or downplay your injuries when speaking to an insurance adjuster after an accident.

Statements to Avoid

  • "I'm sorry" or "It was my fault": Insurers treat apologies as a legal admission of liability, which can reduce or eliminate your compensation.
  • "I'm fine" or "I'm not hurt": Adrenaline can mask severe conditions like internal bleeding or traumatic brain injuries that appear days later. Early statements that you are fine are used to deny later claims.
  • Guesses or speculation: Never estimate speeds, distances, or timing. Stick strictly to objective facts you know for certain.
  • Recorded statements: You can decline requests for a recorded interview until you consult legal counsel, as adjusters use these recordings to trap you in inconsistencies.

Safe Communication Guidelines

  • Provide only basic facts like the date, time, location, and your contact or policy details.
  • Refer the adjuster to a qualified Car Accident Lawyer to manage further discussions and protect your rights.

What's the worst auto insurance company?

There is no single "worst" auto insurance company, but major carriers like Allstate, Liberty Mutual, and Progressive frequently rank poorly in customer satisfaction and claim-handling reviews.

Major Insurers with Frequent Complaints

  • Allstate: Often criticized by consumer advocates and attorneys for using strict claim-evaluation software (like Colossus) that can delay or lower payout offers.
  • Liberty Mutual: Frequently scores low in consumer satisfaction surveys due to high rates of disputed claims and sudden rate increases.
  • Progressive: Regularly cited by customers and repair shops for lowball vehicle damage evaluations and pushing for cheaper or repaired parts over replacements.
  • State Farm: While massive in market share, it often lands in lower consumer tiers for aggressive claim-denial strategies.

Budget and Regional Insurers to Watch

  • Low-Cost Non-Standard Insurers: Companies like Ocean Harbor, Direct General, and United Auto often rank lowest among personal injury attorneys because they offer very cheap rates but aggressively deny or contest valid claims.
  • Bottom-Scoring Regional Brands: In annual satisfaction studies like J.D. Power's Auto Insurance Shopping Study, brands like Safeco and Mercury routinely score at the bottom.