Glossary

CLUE report

A LexisNexis database report of past auto or home insurance claims, which insurers pull to price and accept policies.

Also called: C.L.U.E. report, Comprehensive Loss Underwriting Exchange, CLUE Auto report

A CLUE report comes from the Comprehensive Loss Underwriting Exchange, a database run by LexisNexis Risk Solutions. Insurers contribute their claims data to it and pull reports from it when you apply for coverage. The CLUE Auto report covers personal auto claims; a separate CLUE Property report covers homeowners claims.

An auto report typically shows the date and type of each loss, the insurer and policy, the vehicle, the drivers involved, the coverage that paid and the amount paid. It can include claims where you were not at fault, and some reported losses that closed without payment. Insurers use it to check what you say on an application and to apply your claims history in underwriting and pricing.

Because it is a consumer report under the Fair Credit Reporting Act, you can request a free copy from LexisNexis once a year and dispute errors, such as a claim listed under the wrong driver or a loss that was never paid. An insurer that takes adverse action based on the report must tell you. It is separate from your state driving record, the motor vehicle report. Check your report before shopping for insurance so mistakes do not raise your quotes. See Your CLUE report and motor vehicle record explained.

Last reviewed October 4, 2026

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Related terms

Claims history The record of insurance claims you have filed or that were paid because of your driving, which insurers check when pricing and accepting a policy. Motor vehicle report (MVR) Your official state driving record, listing tickets, convictions, suspensions and license status, which insurers check to set your rate. Underwriting The process an insurer uses to decide whether to accept an applicant, on what terms, and in which pricing tier or company. Insurance score A number insurers use to predict how likely you are to have claims, usually calculated from your credit report, that can raise or lower your rate. At-fault accident A crash in which you are found mainly responsible, which your liability coverage pays for and which usually raises your premium at renewal.

Related guides

Accident forgiveness explained Accident forgiveness stops your premium rising after a first at-fault accident. How GEICO, Progressive, Allstate, Liberty Mutual and others offer it. Your CLUE report and motor vehicle record explained Insurers check your claims history (CLUE) and state driving record (MVR) before pricing a policy. What each holds, how to get them and fix errors. Connected-car data, data brokers and your premium How automakers' driving data reached insurers via LexisNexis and Verisk, what the FTC and state attorneys general did, and how to check your own file. Driving data privacy lawsuits The FTC order and state and private lawsuits over automakers, apps and data brokers selling driving data used by insurers, and where the cases stand. How long accidents and tickets affect your rates Accidents and tickets run on three clocks: your state driving record, claims databases that keep up to seven years, and the insurer's look-back period. Should you file a claim or pay out of pocket? How to weigh a small claim against your deductible and a possible rate increase, which accidents you should report anyway, and how fault changes the math.