C.L.U.E.® Auto
Discover more accident claims per inquiry to help make more accurate rating decisions
The U.S. auto insurance industry’s most comprehensive claim history exchange.
What is C.L.U.E.?
Our Comprehensive Loss Underwriting Exchange (C.L.U.E.®) is a claim history information exchange containing up to seven years of personal automobile claims information. When you submit an inquiry, we match the search criteria and return a C.L.U.E. report that contains vital information about the driver, vehicles, policy and reported claims.
Since its launch in 1987, C.L.U.E.® Auto has helped consumers receive more accurate auto insurance quotes. With leading-edge linking capabilities, an advanced processing platform and continuous innovative enhancements, C.L.U.E. Auto discovers more claims per inquiry than any other available source.
Predict loss propensity with more reliable loss history rating information
Rate more accurately with risk segmentation and tier placement
Speed up the underwriting process by using a single source of claims information
You can also leverage C.L.U.E. Auto data when drivers are added to a policy. For example, when a teenager receives their new license or another family member moves in, it is critical to have a view of the entire household of drivers.
- 23.4% of added drivers have claims activity within the past three years
- 31.7% of added drivers over the age of 25 have claims activity within the past three years
source: LexisNexis® Risk Solutions internal data, 2024
The lack of a complete picture of claim activity can lead to underpricing risks, even after the first year. It can take weeks, months or even years to process a claim due to pending litigation or supply chain issues. LexisNexis® Active Insights C.L.U.E.® at Renewal proactively notifies you of claims contributed by another insurer which were discovered, updated or closed post-underwriting. This consistent monitoring solution helps close the knowledge gap so that you have the information you need to match the rate to the risk.
Learn how C.L.U.E. Auto can help support your underwriting strategy at new business and renewal
Related Resources
Auto Insurance Renewal Solutions
U.S. Auto Insurance Trends Reports
Related Products
C.L.U.E Auto is a consumer reporting agency product provided by LexisNexis Risk Solutions Inc. and is governed by the Fair Credit Reporting Act, 15 U.S.C. 1681, et seq.