Insurance companies have at their disposal multiple reporting tools to determine what to charge you for car insurance or homeowner’s insurance.  These include your C.L.U.E. report, MVR, or motor vehicle record (personal driving history), vehicle history and financial responsibility reports.

It is important to understand what is on these reports to ensure you aren’t being overcharged for insurance coverage.  We recommend getting online quotes as a first step in determining whether or not you have a suitable insurance rate.

C.L.U.E. stands for “comprehensive loss underwriting exchange.”   In simple terms, your C.L.U.E. report is a five to seven year history of property damage claims you have filed with your insurance company.  There are basic pieces of information in the report including the date and type of your loss.

Additionally, the final amount paid for the claim along with general information such as your policy and claim number and the name of the insurance company that paid your claim.

Insurers use this information to help calculate how much to charge you for coverage.  Your insurance company will charge you more for coverage if you have a history of filing claims and vice versa.  It is much more common for an automobile insurer to use an MVR rather than a C.L.U.E. report.

Keep in mind that there are records kept for both automobile and property claims.  The two are kept on separate reports; so a claim related to your car insurance will not have any effect on what your insurer will charge you for homeowner’s insurance coverage.

It is important to understand that a company cannot report a claim to C.L.U.E. if you have not actually filed the claim.  For example, if you were to call your insurer after an accident to ask questions about your deductible, your insurer does not have the right to report the incident.

Per the Fair Credit Reporting Act, it is possible to obtain a copy of your C.L.U.E. report by contacting:

ChoicePoint Consumer Disclosure
P.O. Box 105108, Atlanta, Georgia 30348-5108
866-527-2600 (toll free)