Loss History: CLUE and A-Plus Reports

Loss History: CLUE, A-Plus and Insurance

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.

Ordering Your Reports

It’s important to consider ordering these reports for yourself (in addition to your credit report) before you apply for home or auto insurance. If you don’t, you might only find out about any inaccurate or incomplete information in a report after you've been turned down for insurance or are charged a high premium. Potential errors or issues could include

  • inaccurate information (about someone else or another property)
  • phone calls to inquire about a possible claim are reported
  • the loss reported was below your deductible and the claim was denied (or you were advised not to submit one)
  • information about a claim where repairs were made and everything was restored to the original condition


You can get a free copy of your reports once a year (CLUE report: contact LexisNexis, A-Plus report: contact Verisk). You can also get an additional report if an insurance company turned you down or charged you very high premiums based on this information.

You have the same rights under the Fair Credit Reporting Act as you have for your credit reports, including  the right to access your report, dispute inaccurate or incomplete information and receive notice about an adverse decision based on information in your report. Some states might give you additional rights or protections.