LexisNexis Comprehensive Loss Underwriting Exchange (CLUE) and Verisk Automated-Property Loss Underwriting System (A-PLUS) allow home and auto insurers to exchange information about auto and property loss insurance claims. Insurers use loss history reports to help assess the risk associated with selling you an insurance policy.
These reports contain personal information to identify you and a record of any auto or homeowner property loss claims submitted to an insurance company for the past seven years (even if you didn't own the car or home) including the
- date of the loss
- type of loss claimed
- insurance company name
- amount paid by the insurance company
- policy number
- claim number
In most states, the reports can also include property damage even if the insurance company didn't pay.
You can contact your state insurance commissioner's office to find out if your state allows reports to include inquiries that didn't result in a paid claim.