(Comprehensive Loss Underwriting Exchange)

CLUE is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report generally contains up to seven years of personal-auto and personal-property claims history.

The report contains the following claim information provided by your insurance company:

Your name Date of birth
Policy number Date of loss
Type of loss Amount the company paid
Description of the covered property Property address for homeowner claims or
specific vehicle information for auto claims

Insurance companies report all claims for which they:

  • Pay out money
  • Set up a file for a possible claim
  • Formally deny a claim

LexisNexis advises insurance companies not to report claims information when you contact them to simply ask a question about coverage or your deductible.  Tennessee law offers greater protection to consumers in the market for homeowner’s insurance by prohibiting an insurance company from increasing a premium or canceling a homeowner’s insurance policy solely on the basis of inquiries made by an insured, such as coverage questions. 

An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it'll offer you coverage and how much you'll pay. Insurance company studies show a relationship between past claims and claims you report in the future.

The Fair Credit Reporting Act entitles you to a free copy of your CLUE report. To request a copy, contact:

LexisNexis, Consumer Center
Request your personal report online (www.lexisnexis.com)
Call 866-312-8076

Note: If you need a CLUE report on a property you’d like to buy, the owner must request it.

You can check for inaccurate or unrelated information that could be making you pay higher rates. If you find mistakes, contact LexisNexis Consumer Center at 888-497-0011. They'll verify your information with the reporting insurance company and notify you of the results within 30 days.
You can add an explanation to an item in the report that will show in all future reports.