What Is a CLUE Report?

clue

If you’ve been shopping for insurance lately, you may have heard the phrase “CLUE report” uttered once or twice.

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. In short, they love data because it can help them reduce risk and maximize profits.


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As a prospective customer, 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.

What Does C.L.U.E. Stand For?

CLUE report

We’ll spare you the suspense. 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 of the claim and the type of 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.

Put simply, your insurance company will charge you more for coverage if you have a history of filing insurance claims and vice versa.

Two Types of C.L.U.E. Reports

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.

And a homeowner’s insurance claim should have no bearing on what you’re charged for car insurance.

There is a C.L.U.E. Auto Report and a C.L.U.E. Personal Property Report, both of which can be ordered for free once during a 12-month period, similar to consumer credit reports.

Tip: It is much more common for an automobile insurer to use an MVR rather than a C.L.U.E. report.

Ordering a C.L.U.E. Report

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

C.L.U.E. Inc. Consumer Center
P.O. Box 105295
Atlanta, GA 30348-5295
Toll Free Number – 1-866-312-8076

And if an insurer sends you an adverse action letter or takes any of the following actions, you can request a free copy of your report as well:

– Denies you insurance coverage
Increases your insurance rates
– Limits your insurance coverage
– Cancels your insurance policy

Disputing Your C.L.U.E. Report

It’s also important to point out 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.

Just like credit reports, you can dispute info on your C.L.U.E. reports and even add personal statements to your report if you want to clarify anything.

To do so, you can call or write to the address below, identifying the specific loss by providing the following information:

– C.L.U.E. reference or consumer number
– Name of the insurance company
– Date of loss
– Brief explanation regarding the challenged information

LexisNexis Consumer Center
P.O. Box 105108
Atlanta, Georgia 30348-5108

This action should only be performed by the policyholder.

(photo: Swenda)

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3 Comments

  1. Aldridge, Judy February 2, 2014 at 5:50 pm -

    On the Clue Report we received we see that we have a description and date of claim that on 10/20/2012 we filed cause of loss from water damage. At that time we was living in a apartment. i did not have any water damage anywhere in the apartment. Also, i have been charged with that claim so now that i am trying to get homeowners insurance is making my insurance sky high. due to the claims that i have filed. also, the theft that happen to us they are holding that against me as well and i dont think that is fair to me. i didnt ask for someone to steal my stuff.
    but they are holding that as well. then i am looking for the telephone numbers to call and i cant find any number to call to get it straight out.

  2. Yashira September 15, 2016 at 10:58 am -

    So I find it funny how I go for my Permit test and passed 2 days ago and now that I am trying to get insurance on my new car I can’t because CLUE decided to put on my record that I had my license suspended but also that I had an accident not at fault last year and I had made a claim for 1,000 or less that I for once in my life do not recall because i am pretty sure that I have never had an accident let alone took out my license and got it suspended after an accident not at fault.. how is that even possible, even if it takes me years I will get this removed because I cant live like this.

  3. Tony September 26, 2017 at 3:19 pm -

    Does anyone know for how long has the CLUE report been around?

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