How Can I See My CLUE Report Online?

Last Updated on May 14, 2020

If you have car insurance or property insurance, insurance companies can view your CLUE report to see what claims you’ve filed in the past and other relevant insurance information. As a consumer, you are entitled to a copy of your CLUE report, and you can access it online. Here’s what you need to know about CLUE reports and how to find yours.

how can i see my CLUE report

What is a CLUE report?

CLUE stands for comprehensive loss underwriting exchange. This is a report generated by an agency called LexisNexis that gives an overview of your claims history. These reports contain information about the auto and property insurance claims that you have filed, usually dating back about seven years. Your insurance company will report relevant information to LexisNexis to generate the report. Any time you make a claim, CLUE will report information about the type of claim, the amount the insurance company paid, and the specific vehicle involved. Your CLUE report also contains basic information about you, such as your name, birth date, and policy number.

Where can I get my CLUE report?

Everyone is entitled to a free copy of their CLUE report online. This is mandated by the Fair Credit Reporting Act. You can request a copy of your CLUE report online at You can also call Lexis Nexis to request a copy of the report. It’s important to check your CLUE report regularly to make sure it is accurate, just as you would do with a credit report. If your insurance company has made false reports about claims you have filed, it’s important to contact Lexis Nexis to dispute them. LexisNexis is happy to verify your information with the insurance company and make changes if any information is incorrect. There is also the option to add an explanation to items on your CLUE report.

How do insurance companies use CLUE report?

When you request a car insurance quote or apply for a policy, car insurance companies will request a copy of your CLUE report from LexisNexis. They’ll be able to see how many claims you’ve filed in the past, giving them an idea of your risk level as a customer. They can then use this information to determine how much they want to charge you. Research has shown that looking at past insurance claims is actually a good indicator of whether or not you will make insurance claims in the future.

Once you have a policy set up with your insurance company, they will report any claims that you file to LexisNexis. They do this once per month for all of their customers. Even if your insurance company denies a claim, it will still go on your CLUE report. LexisNexis tells insurance companies not to report instances where you call to ask about your policy or deductible since no actual claim was filed.

What can I do if my CLUE report has many claims?

If your CLUE report has an extensive number of claims on it, you may be worried about finding affordable car insurance. If you’ve made many claims in the past, many car insurance companies will be dubious about providing you coverage, because they’ll consider you to be more of a risk. If your CLUE report is ridden with claims, it may be hard for you to get car insurance. However, there are some things you can do that will make the process easier. The first thing to do is review your CLUE report and make sure all the claims are accurate. Consider adding explanations to any claims that you believe will help.

Keep in mind that your CLUE report isn’t permanent – it only focuses on the last seven years. If you continue to drive safely and avoid claims, you could end up with a clean CLUE report in just a few years. Typically, car insurance companies will take recent claims more seriously than older claims as well. Focus on driving safely and avoiding behavior that could put you or your vehicle at risk. The more you can prove you are a safe driver to your insurance company, the less you’ll have to pay in claims.

If you keep getting high insurance quotes as a result of your CLUE report, look into discounts from your car insurance company. Try to take advantage of as many discounts as you can. You may be able to earn a better standing with your car insurance company if you take a defensive driving course, for example, or if you use an app that monitors your driving habits. You should also make sure to compare quotes from many different insurance companies. Quotes for insurance policies can vary widely depending on which company you go with. You may also want to talk to an independent insurance agent, who can use their industry know-how to help you find a fairly priced policy.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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