C.L.U.E. (Comprehensive Loss Underwriting Exchange) Auto Report

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Description

C.L.U.E. (Comprehensive Loss Underwriting Exchange) Personal Property & Auto Reports collects and reports information on insurance coverage, losses associated with individuals and their personal property, as well as automobile insurance coverage and losses.

1-866-312-8076
C.L.U.E. Inc. Consumer Disclosure Center
P.O. Box 105295
Atlanta GA 30348-5295

Download a sample form to request a free annual copy of your CLUE Report for Property from LexisNexis Risk Solutions Bureau LLC.

Background of the CLUE (Comprehensive Loss Underwriting Exchange) Report for Property from LexisNexis

Consumers have the right to request a free copy of their CLUE Report for Personal Property (Comprehensive Loss Underwriting Exchange) from LexisNexis Risk Solutions Bureau, LLC , a wholly owned subsidiary of LexisNexis / Reed Elsevier PLC. Or call C.L.U.E. Inc. toll-free at 1-866-312-8076.

The CLUE Report and the insurance scoring system provided by Choicepoint (a Division of LexisNexis / Reed Elsevier PLC) is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.

Insurers utilize personal information in the CLUE Report for Personal Property to decide your risk profile (e.g., how likely you are to file a claim against your policy).  Insurance companies that contribute loss data to the Comprehensive Loss Underwriting Exchange (C.L.U.E.) can withdraw information from the exchange. In addition, some insurance agents, with the authority of the company they represent, can withdraw data.

Your consumer report file in the Comprehensive Loss Underwriting Exchange (CLUE) contains personal claim information provided by insurance companies; it also includes policy information such as name, date of birth, policy number, and claim information including date of loss, type of loss and amounts paid, and a description of the property covered.  For homeowner’s coverage, the the CLUE Report for Personal Property contains the property address, and for auto coverage, it includes specific vehicle information.

As a warning, all consumers should be aware that merely contacting their insurance company or their insurance agent to discuss an actual loss might be considered reporting a claim, even if the company does not end up making a claim payment. This is because when a loss occurs, the policy requires the company to take specific actions within specified time frames.

Annual Disclosure Request

Under the federal Fair Credit Reporting Act (FCRA), all consumers can request a copy of your CLUE Report for Personal Property by mail at “C.L.U.E. Inc. Consumer Disclosure Center, P.O. Box 105295, Atlanta GA 30348-5295” or by telephone at 1-866-312-8076.

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