CLUE Report
Plain English
A CLUE report is a history of your insurance claims, for your car or your home, that insurers look at before quoting you. Past claims can raise your premium or affect whether an insurer offers a policy. You can get a free copy of your own report each year and check it for errors.
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On this page
Definition
A CLUE report, from the Comprehensive Loss Underwriting Exchange, is a record of insurance claims tied to a person or property, which many insurers check when deciding whether to offer a policy and what to charge. Consumers can request their own report once a year at no cost.
Why It Matters
A claim can follow you to a new insurer. Checking your CLUE report helps you correct mistakes, and checking a home's report before buying can show its claims history.
Real-World Example
Imagine Ari is shopping for auto insurance and gets a higher quote than expected. He requests his free CLUE report and finds a claim listed under his name that was actually his former roommate's. He disputes the error with the reporting company, and once it's corrected, he asks the insurer to requote.
Common Misconceptions
- Assuming only paid claims appear; reported claims can appear too, depending on the insurer.
- Not checking the report for errors.
Key Takeaways
- The Texas Department of Insurance: "Most companies use the Comprehensive Loss Underwriting Exchange (CLUE) to learn your claims history."
- "A company can charge you more or refuse to sell you a policy based on the information in your CLUE report."
- "You can get a free copy of your report each year."
Frequently Asked Questions
How do I get my CLUE report?
The Texas Department of Insurance lists LexisNexis, which runs CLUE, and notes the report is free once a year.
What's it commonly confused with?
A credit report. Some insurers use credit information too, but the CLUE report is about insurance claims.
Related Terms
Related Coverages
- Auto Insurance
- Homeowners Insurance
Explore the rest of the Core Insurance category.
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The factual claims on this page were checked against these sources. Rules and figures change, so check the source itself if you need to confirm the current version.
- tdi.texas.govAuto insurance guide · Texas Department of Insurance
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