what is c.l.u.e.?
p.l.u.e. (comprehensive loss underwriting exchange) is a claims history database produced by the consumer reporting agency lexisnexis® that allows insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.
How can I obtain a copy of my c.l.u.e. report?
Under the federal Fair Credit Reporting Act, you can request a copy of your c.l.u.e. lexisnexis® report toll-free at 1-866-312-8076 or by visiting: https://personalreports.lexisnexis.com
Who has access to c.l.u.e.?
Insurance companies that provide claims data to c.l.u.e. you can withdraw information from the exchange. In addition, some insurance agents, with the power of the company they represent, can withdraw data.
How do insurers use c.l.u.e. reports?
p.l.u.e. the reports are used almost exclusively for underwriting and rating new policies. Most insurers that renew existing policies do not agree to C.L.U.E. reports at renovation, largely because they already have loss histories for these properties in their own database.
What information is included in a track? report?
includes policy information such as name, date of birth and policy number, claim information such as date of loss, type of loss and amounts paid, and a description of the covered property . for homeowners coverage, the report includes the property address and for auto coverage, it includes vehicle-specific information.
Is there any 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 the loss history is maintained in the c.l.u.e. database?
The database contains up to 7 years of personal property claim history.
who contributes to the c.l.u.e. database?
Only insurance companies that subscribe to c.l.u.e. can send loss data and access c.l.u.e. reports. consumers can access c.l.u.e. reports about themselves and their properties. some companies choose not to subscribe to c.l.u.e. losses filed with non-participating companies will not appear on a track. report.
Why can insurance companies get a copy of my loss history report?
Under the federal Fair Credit Reporting Act, lexisnexis® may produce a lead. report for the following insurance-related purposes:
- when the consumer reporting agency has reason to believe that a person or business intends to use the information in connection with the underwriting of a consumer’s insurance policy. this includes situations where the consumer requests an insurance quote or applies for insurance.
- when the c.l.u.e. the report is initiated by and at the request of the insurance company or agent.
- ask a question or file a complaint online
- email your complaint to: [email protected]
- call the consumer help line at 800-203-3447 or 860-297-3900
- sign up for e-alerts to receive the latest news, warnings and rate changes that may affect your premium
- download frequently asked questions from consumers about health, homeowners and cars
- use the department speakers bureau for public events.
- visit our website and follow the department on facebook, twitter or youtube
- write the cid at:
- connecticut department of insurance p.o. box 816 hartford, ct 06142-0816
Can I request a c.l.u.e. report on the property I want to buy?
not. under the federal fair credit reporting act, c.l.u.e. Only the property owner, insurer or lender can access the reports. however, you can request that the current owner of the property order a track. report.
How can I correct erroneous information in my c.l.u.e. report?
If you discover an error in your c.l.u.e. report, such as an invalid claim report or an incorrect loss payment, you can contact lexisnexis® directly and report the problem. lexisnexis® will then contact the insurance company on your behalf, request clarification, and notify you of the results within 30 days. if you feel an element in the c.l.u.e. report deserves an explanation, you can submit a personal statement, which lexisnexis® will add to all future tracks. reports.
Can insurers add notes to a consumer’s track? file?
Only consumers can add annotations to their c.l.u.e. reports. for example, if a dog bite claim occurs and the owner gets rid of the dog, the consumer can add this notation to the property’s track report. insurance companies cannot add entries to the database.
Can reports distinguish between a query and a claim?
The distinction between a query and a complaint is important. An inquiry is generally considered to be a call by a consumer to a company representative or agent to discuss the terms of coverage, including the extent of coverage for a specific loss. key code. reports indicate losses by type. Consumers who contact your business or its agent to discuss an actual loss may be considered reporting a claim, even if the business fails to pay the claim. This is because when a loss occurs, the policy requires the company to take specific actions within specific time frames. consumers should be specific as to whether they are filing a claim or just making an inquiry. For example, a consumer may contact their agent to report an event, such as a burst water pipe, to determine the scope of coverage to decide whether or not to continue the claim process with the company. A consumer talking about this situation may generally be making an inquiry, but if he is talking about an actual loss he may be making a claim. the insurer may not compensate the consumer for this loss for a variety of reasons: the amount of the damage may be below the deductible, the consumer may decide to pay for the damage, or there may be no coverage for such loss under the terms of the policy . If the consumer filed an actual claim and the insurer did not pay any loss on this claim, the company would record this information and it could appear on a trail. report. many insurers are working on ways to inform their policyholders of the important distinction between a claim and an inquiry.
Can an insurance company use a previous homeowner’s loss history to determine my eligibility for home insurance?
If a business can show a relationship between the loss of the previous owner and the probability of a future loss of the home, they can use the information. There are no laws that specifically govern the use of the previous owner’s loss history to determine your eligibility for coverage.
can the insurance company report claims to the c.l.u.e. database that are closed without payment?
If those claims were reported to the company as a claim (not simply an inquiry about possible coverage) and were later denied, it would not be considered contrary to current law to report the claim to c.l.u.e. insurers have been instructed by c.l.u.e. Do not report inquiries about possible coverage.
For help with all of your insurance questions, contact the Connecticut Department of Insurance: