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Car Insurance Bad Claims History – The CLUE Report is a summary of your personal auto or home insurance claim history that all major insurance companies look at when taking on new clients. The CLUE database, powered by LexisNexis, allows insurance companies to view new customer claims for the past seven years. Verisk offers a similar report called A-PLUS, but it is not used as often as CLUE.
All complaints you file will be added to your CLUE report, even if you are ultimately not ticketed or found to be at fault for the incident. Once the insurance company sees your CLUE report, they can adjust your premiums if you haven’t notified them of all previous claims.
Car Insurance Bad Claims History
What is included in a CLUE report? How much does a CLUE report cost? How do I dispute errors in a CLUE report?
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According to LexisNexis, more than 99% of auto insurance companies and 96% of home insurance companies contribute to CLUE. Only insurance companies that report information to CLUE can obtain information from the LexisNexis database.
The cost of a CLUE report is $0 per individual report provided by LexisNexis. Individuals can receive a free copy of the LexisNexis CLUE report each year, but additional reports typically cost $19.95 each. However, a LexisNexis customer service representative said there is no charge for customers to access additional copies of their reports.
To view a CLUE report, you must search for the entire individual LexisNexis report. You can request a copy of the report from LexisNexis Risk Solutions online or by phone.
The Fair Credit Reporting Act allows you to get a free copy of your report from a consumer reporting agency, including CLUE from LexisNexis, once a year. Similarly, you can obtain a copy of the A-PLUS report from Verisk online or by calling 800-627-3487.
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Given that the CLUE report directly affects your portfolio, it is important to understand the contents of the file and check it for errors. The good news is that you can search, review and dispute items on your CLUE report just like you would on your credit report.
Contact your insurance company: If your current insurance company reports an error to LexisNexis, you should immediately contact your insurance company and report the error.
Contact LexisNexis. We will investigate the error and the nature of the dispute and remove information found to be incorrect.
To learn more about the CLUE report, we asked a panel of experts the following questions: Click to view expert biographies and answers below.
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Professor, Department of Financial Planning, Housing and Consumer Economics, College of Family and Consumer Sciences, University of Georgia, Ph.D., CFP®
Associate Professor of Law / Forensic Accounting, University of South Florida Lynn Pippenger School of Accounting / Cyber Florida, Muma College of Business
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You can view the CLUE report online by visiting the LexisNexis website and filling out an electronic request form. LexisNexis is a consumer reporting agency that produces CLUE reports that provide information on individuals and real estate for organizations such as banks and insurance companies. You can also request a copy of the report by phone, mail or email.
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When you request a report from LexisNexis, you will receive a customer disclosure report that includes CLUE reports, real estate transactions, bankruptcy and foreclosure records, judgment records, and past addresses. The report contains a history of insurance payments for up to seven years.
A CLUE report lasts seven years and includes all auto insurance claims filed since then, even if no tickets were issued or the accident was found to be at-fault. This also applies to home insurance claims for things like water damage or theft.
After your claim has expired, your current insurance company may lower your premium. Depending on the company, you may only see the last 3-5.
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The purpose of the CLUE report is to provide a central record of all insurance claims related to a particular home or car policyholder. Home and auto insurance companies use CLUE ratios when calculating insurance premiums to determine how much risk a particular customer or property is exposed to.
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CLUE is a database maintained by LexisNexis that records up to seven years of claims information. Over 99% of car insurance companies…
An insurance claims history report is a list of all auto insurance claims an individual has made over the past 5-7 years. Most auto insurance companies review a driver’s claims history report before issuing a policy to assess risk.
LexisNexis “C.L.U.E.” generates the most popular billing history reports from the site. database. Abbreviation for Comprehensive Insurance Loss Exchange. Because drivers may forget or misinterpret their requests, C.L.U.E….
You may dispute a master report by writing, calling or emailing LexisNexis Customer Support directly. When LexisNexis is notified of an error, we will investigate the dispute and remove the information that appears to be in error. By law, this process must be completed within 30 days of LexisNexis receiving the request, but exceptions may apply.
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The Texas CLUE Report is available from LexisNexis. All Texans are entitled to a free copy of the CLUE report each year under the Fair Credit Reporting Act, which is available online, by email, by phone or by mail using a request form.
Yes, your car insurance premium will increase when you file a claim. On average, car insurance increases by about 50% after an accident. In most cases, a claim can affect benefits for three to five years. How much your premiums will increase depends on several factors, including the type and amount of your claim, your insurance company, your claims history, your location and whether you have accident insurance.
Yes, insurance companies use C.L.U.E., which is powered by Lexis Nexis and contains claims data from over 99% of auto insurance companies. share complaint histories with each other using databases such as Insurance companies can use C.L.U.E to review a driver’s claims history. If the driver wants to get a quote. Claims history information is important to insurance companies because drivers with a history of claims, especially at-fault claims, pose a greater risk to insurance companies.
CLUE reports are available in California from LexisNexis. All Californians are entitled to a free copy of the CLUE report each year under the Fair Credit Reporting Act, which is available online, by email, by phone or by submitting a request form.
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You can request a CLUE report for your home by visiting the LexisNexis website, calling or emailing the company. When buying a new home, the current owner must request and provide a copy of the CLUE report. The CLUE report includes homeowner’s insurance claims made against the property within the past five to seven years.
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The availability of information about whether an institution or professional is a paid advertiser does not constitute an introduction or endorsement of the institution or professional by us, and vice versa.
Although we try to present the most current product terms, this information is not obtained by us and we cannot guarantee its accuracy. Exact terms may vary. Be sure to review all terms and conditions with the provider before submitting your application. Please let us know if you notice any differences. Liability insurance policies are structured to respond to claims in one of two ways: occurrence-based or claims-based. The main difference between the two is in the mechanism the policy uses to activate coverage, ie. when and what needs to happen to review a claim for coverage.
Insurance buyers should be aware that the mechanism for activating insurance after an incident and the mechanism for filing a claim are completely different. Without understanding how each type of insurance works, the insured may
