CLUE Car Insurance Reports
CLUE car insurance reports offer your historical info to insurance companies. Using your credit score, CLUE car insurance reports help insurance companies determine your level of financial stability.
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UPDATED: Jan 20, 2021
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- Your CLUE report is a direct indication of your insurance claims history
- The highest score you can achieve on your CLUE report is 997
- Statistically, people with high credit scores are less likely to be in car accidents
If you’re comparing car insurance costs, understanding CLUE Reports, credit scores, and car insurance can help save you money. Car insurance rates and premiums are calculated with information gleaned from your Comprehensive Loss Underwriting Exchange (CLUE) report.
What does a CLUE report show? Like a credit report, the CLUE offers historical information about you to property & casualty companies like car insurers.
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ChoicePoint sells CLUE reports to home and car insurance companies.
A separate CLUE score is generated for car and home insurance. The CLUE report doesn’t determine whether you’re eligible for car insurance coverage, although the information in the report can affect the cost of your car insurance rates.
The company combines insurance claims information along with your credit history.
Contents of the CLUE Report
Insurance companies report details of past car insurance claims to ChoicePoint.
Inquiries concerning car insurance coverage are also reported to the company. Questions you’ve directed to a current or former insurer concerning claims may appear in the report, regardless of whether you presented the claims for payment.
These queries appear as claims without payment
When you apply for insurance through a new provider, your new insurer is able to review the information about past insurance claims from the ChoicePoint information database.
Claims filed more than five years ago aren’t included in the CLUE database, although inquiries (even those considered claims without payment) are indefinitely retained.
Depending upon your state’s insurance laws, ChoicePoint’s practice of keeping some of this information may be prohibited. Contact your state’s Department of Insurance.
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CLUE Report Scores
Like your credit report score from any of the three major credit reporting organizations, a higher CLUE score is desirable. The highest possible CLUE score is 997. Scores of 776 to 997 are considered “good.” Scores of 626 to 775 are considered “average.”
Scores of 501 to 625 are considered “below average.” A score of 500 or less is considered “undesirable.”
Federal credit laws determine how long information remains in your CLUE report. If your insurance company initiates collections or you miss a premium payment, that information remains in the file for about seven years.
If you declare bankruptcy, the information remains on file for ten years.
Tax liens (unpaid) remain in the file for 15 years. When an insurance company or other entity requests information about you, the information remains on file in the CLUE report for up to five years.
CLUE Reports and Credit Scores
Your FICO credit score, as calculated and reported by the three major credit reporting agencies (Equifax, TransUnion, and Experian), is not the same as your CLUE report score. Your credit score may be included in the CLUE report, but the CLUE focuses on your car insurance claims history.
Insurers use the information contained in your CLUE report to discern your level of financial stability.
If you’ve filed many car insurance claims in a period of a few years, a car insurance company may offer to insure you at higher insurance rates or even deny you coverage.
Potential creditors use a credit score to determine how likely you are to repay the principal and interest on a revolving credit or loan account. A credit score helps prospective lenders price debt. Higher credit scores earn consumers the benefit of lower loan rates.
Car insurance companies also use credit scores to determine financial stability and responsibility.
According to ongoing research performed by the insurance industry, people with good credit may have fewer car insurance claims. That’s why people with good to excellent FICO credit scores (from about 625 to 850) may benefit from lower car insurance rates.
CLUE Report and Credit Report Errors
Information collected by ChoicePoint and the three major credit reporting bureaus may contain errors. If you receive notice of a denial of car insurance coverage, request your CLUE report and credit reports to check for errors.
If you plan to apply for car insurance in the next few months, order a copy of your CLUE report and credit reports first. Notify ChoicePoint and the three credit reporting organizations of any errors in writing.
ChoicePoint will seek to check the information in your CLUE report within 30 days.
Similarly, TransUnion, Experian, and Equifax must attempt to verify information collected within 30 days or remove the information from your file. Submitting a personal statement to the CLUE file or the credit reporting agencies can help to clarify the information for users, including car insurance companies.
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