Get a CLUE: Little-known database can affect your insurance rates

From the office of the Insurance Commissioner

Most insurance consumers are not aware there’s a little-known database called CLUE —Comprehensive Loss Underwriting Exchange — that can affect consumers’ property and auto insurance rates without their knowledge.

What should consumers know about CLUE?

It’s a report generated by LexisNexis that contains up to seven years of your personal auto and property claims history. The data comes from insurance companies when they close claims you file.

Insurance companies review the CLUE data and use it to set the rates they charge you.

You have the right to request a free copy of your report:

LexisNexis, Consumer Center
866-312-8076
Request your personal report online

If you find mistakes in your CLUE report that you want to dispute, contact LexisNexis Consumer Center at 888-497-0011.

Read more about CLUE.

Questions? You can contact our consumer advocates at the Office of the Insurance Commissioner online or at 1-800-562-6900.