FAQ SHEET
PI-207 (R 06/2024)
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Frequently Asked Questions About C.L.U.E.
What is C.L.U.E.?
C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims history database generated by LexisNexis enabling
insurance companies to access consumer claims information when they are underwriting or rating an insurance
policy.
Who has access to C.L.U.E.?
Insurance companies contributing loss data to C.L.U.E. can gather and obtain information from the exchange. In
addition, some insurance agents, with the authority of the company they represent, can access and withdraw data.
How do insurers use C.L.U.E. reports?
C.L.U.E. reports are used almost exclusively to underwrite and rate new policies. Most insurers renewing existing
policies do not access C.L.U.E. reports at renewal, largely because they already have loss histories for existing
policyholders and properties in their own databases.
What information is included in a C.L.U.E. report?
It includes policy information such as name, date of birth, policy number, claim information (such as date of loss,
type of loss, and amounts paid), and a description of the property covered. For homeowners coverage, the report
includes the property address, and for auto coverage, it includes specific vehicle information.
What is consumer claims information?
Consumer claims information includes any losses you have requested the insurance company to cover, whether or
not the insurance company paid for it.
Is there other information besides loss history in the database?
Only policy information, including loss history, is stored in the database. No other sources of data, such as credit
reports, criminal records, civil lawsuits, or legal judgments are incorporated into C.L.U.E. reports.
How long is loss history kept in the C.L.U.E. database?
The database contains up to seven years of personal property claims history.
Who contributes to the C.L.U.E. database?
Only insurance companies subscribing to C.L.U.E. can contribute loss data and access C.L.U.E. reports. It should be
noted consumers can access C.L.U.E. reports on themselves and their own properties.
Some companies choose not to subscribe to C.L.U.E. Therefore, losses filed with nonparticipating companies will not
appear on a C.L.U.E. report.
Why are insurance companies allowed to obtain a copy of my loss history report?
Under the federal Fair Credit Reporting Act, LexisNexis is allowed to produce a C.L.U.E. report for the following
insurance-related purposes:
• When used in connection with underwriting an insurance policy—This includes situations where the consumer
asks for an insurance quote or applies for insurance.
• When the request for the C.L.U.E. report is initiated by or at the request of the insurance company or agent.