Inaccuracies in reports can affect your insurance payments or your ability to obtain a new insurance policy.
What is a CLUE Report?
CLUE stands for “Comprehensive Loss Underwriting Exchange.” It is a claims history database created by LexisNexis, a consumer reporting agency that uses data and advanced analytics to help its clients make informed decisions and manage risk more effectively.
What Your CLUE Report Includes
Your insurance company submits policy information to the CLUE database, including:
- Name
- Date of birth
- Policy number
- Claims information (dates, types of losses, amounts paid, etc.)
- Description of covered property
- Property address (for home claims)
- Vehicle information (for auto claims)
How Insurance Companies Use Your CLUE Report
Insurance companies and their agents use your CLUE report only to assess risks and evaluate a new insurance policy. Most insurance companies will not request another CLUE report upon renewal since their database already contains any claims you have filed with them since your policy began.
How to Obtain a Copy of Your Report
It is essential to request a copy of your report so you can check for errors or irrelevant information that could negatively impact your insurance payments or your ability to obtain a policy. The Fair Credit Act allows you to request a free CLUE report for your home and auto claims history every 12 months.
You can request your CLUE reports from LexisNexis by:
- Submitting an online request
- Calling 800-456-6004 or 866-897-8126
- Sending a request form to LexisNexis Risk Solutions Consumer Center, P.O. Box 105108, Atlanta, GA, 30348-5108
How to Correct Errors in Your Insurance Report
If you notice an error in your CLUE report, contact the LexisNexis Consumer Center at 866-897-8126 or 800-456-6004. LexisNexis will contact the insurance company on your behalf, and the insurance company must provide LexisNexis with evidence supporting the disputed information within 30 days. If the company fails to respond in time or provide sufficient evidence, LexisNexis will remove the data from the database.
You can also add notes to your CLUE report to be seen by other insurance companies. For example, if your home report includes a claim due to damage from a fallen tree branch, you might note that the entire tree has been removed. However, insurance companies are not allowed to add notes to your report or to the database.
Source: https://www.thebalancemoney.com/how-to-get-your-clue-insurance-report-5094834
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