A vehicle involved in an accident has a 10% higher claim frequency than a vehicle with no prior damage.¹ As an auto insurer, the more information you have about the driver and the vehicle, the more precisely you can assess and price the risk.

More than 99% of the U.S. market contributes claims activity to LexisNexis® C.L.U.E.® Auto. But not all accidents and damage events are reported as a claim. If the vehicle owner didn’t file a claim, or was third-party to another claim, or recently purchased the vehicle, these valuable insights may be slipping under your radar.

LexisNexis® C.L.U.E.® Auto Damage 360 can help detect driver and vehicles involved in prior accidents that did not become an insurance claim. The combination of accident records from LexisNexis® Vehicle History, plus police record data on a C.L.U.E.® Auto subject and vehicle inquiry, helps provide a more comprehensive view of the risk.

To demonstrate the incremental lift yielded by leveraging supplemental, non-contributory sources of historical accident information, we analyzed 2.2 million policies, 3 million associated vehicles and 3.3 million associated drivers. The results are presented in our new report, Achieving a 360-Degree View for Predicting Auto Risk.

• Identify 12% more accidents involving the driver compared to using only C.L.U.E. Auto data
• Enhance your understanding of the vehicle by utilizing C.L.U.E. Auto vehicle search, leading to the discovery of 35% more claims
• Uncover 25% more events related to the vehicle, highlighting prior owner damage

Missing information can lead to missed segmentation opportunities. Having a more robust, well-rounded view of the history of the driver and the vehicle can help you uncover hidden risks.

Download the full report to see how C.L.U.E. Auto Damage 360 can help you offer a more fair and accurate price to the market.

 ¹LexisNexis® Risk Solutions Internal Study, 2024