Cohen & Sinowski
Cohen & Sinowski

What Is A Clue Report And How It Will Help You

  • Published: February 1, 2022

What Is A Clue Report And How It Will Help You

What Is A Clue Report And How It Will Help YouWhen an insurance company is looking to set your rate, they review all these factors and come up with a number based on their risk assessment. While changes in any of the categories will change your rate, you may not know that there is also something else that insurers use to help determine your rate: your CLUE report.

Knowing what’s on your report gives you the power to control your chances of getting a good rate and make sure nothing is incorrect before you buy insurance.

What Is A Clue Report

The Comprehensive Loss Underwriting Exchange (CLUE) report is a consumer-backed initiative intended to provide American consumers with their insurance claims history. It’s a comprehensive report that provides a full view of your insurance claims history, online and for free.

How Insurance Companies Use The Report

The CLUE report is a compilation of information documented by insurance carriers and agents. Insurance companies only use your CLUE report to underwrite and rate a new policy. Your insurance company reports policy information to the CLUE database, including the following:

Name—As you may imagine, your full name is reported.

Birthday—Your birthday is in the file.

Covered property’s description—This includes items such as your home, automobile or specific jewelry.

Property address—This is where you live (homeowners claims) or drive (auto claims).

Property value—The amount of coverage for which you are insured for specific property types and locations are reported to this database

Getting A Copy Of Your Clue Report

You’re entitled to one free copy from LexisNexis every 12 months. You can also get a report if you’ve been denied coverage or if your insurer has increased your rates or canceled your policy within the past 60 days. You can request your report by clicking HERE

What If The Information On The Report Is Wrong

If your CLUE Report contains inaccurate or incomplete information, such as an incorrect address, vehicle identification number (VIN), or unrelated claims, contact LexisNexis at 1-866-312-8076 to request updates or corrections to your report. Every company listed in the database is required by LexisNexis to send proof that their data is correct and up-to-date. If a company fails to respond to LexisNexis’ requests for proof that their data is correct, their information will be removed from the database.


It’s important to understand the factors that insurance companies look at when it comes to projecting your costs and rating you for an auto policy. The CLUE report is just one tool among many, but it can potentially play a large role in affecting your rates. As always, if you have any questions about this just contact us.

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