The Tennessee Department of Commerce and Insurance publishes a consumer explainer on C.L.U.E. (Comprehensive Loss Underwriting Exchange) — the LexisNexis claims-history report insurers often pull for home and auto quotes.
This article restates TDCI’s public CLUE page. Informational only. It does not promise coverage, eligibility, pricing, or that any CLUE entry will change.
Seasons change. So should your coverage. For a free policy review, call 865-263-1400 or visit asigtn.com/get-a-quote/.
By All Seasons Insurance Group
What is a CLUE report?
| Item | Detail |
|---|---|
| What it is | Claims-information report from LexisNexis® |
| Typical history window | Up to seven years of personal-auto and personal-property claims |
| Reported when insurer | Pays money; sets up a possible claim file; or formally denies a claim |
| Tennessee inquiry protection | Insurer may not raise premium or cancel homeowners solely for coverage questions |
| Free personal report | FCRA entitlement; LexisNexis 866-312-8076 |
| Dispute / corrections | LexisNexis Consumer Center 888-497-0011; results within 30 days |
CLUE (Comprehensive Loss Underwriting Exchange) is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report generally contains up to seven years of personal-auto and personal-property claims history.
What claim information appears on a CLUE report?
TDCI says the report contains claim information provided by your insurance company such as your name, date of birth, policy number, date of loss, type of loss, amount the company paid, description of the covered property, and property address for homeowner claims or specific vehicle information for auto claims.
When do insurance companies report claims to CLUE?
Insurance companies report all claims for which they pay out money, set up a file for a possible claim, or formally deny a claim.
Does asking a coverage question create a CLUE claim?
LexisNexis advises insurance companies not to report claims information when you contact them to simply ask a question about coverage or your deductible. Tennessee law also prohibits an insurance company from increasing a premium or canceling a homeowner’s insurance policy solely on the basis of inquiries made by an insured, such as coverage questions.
How do insurers use CLUE reports?
An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it'll offer you coverage and how much you'll pay.
How can Tennesseans get a free CLUE report?
The Fair Credit Reporting Act entitles you to a free copy of your CLUE report. Contact LexisNexis Consumer Center online or call 866-312-8076. If you need a CLUE report on a property you’d like to buy, the owner must request it.
What if the CLUE report has mistakes?
Contact LexisNexis Consumer Center at 888-497-0011. They'll verify your information with the reporting insurance company and notify you of the results within 30 days. You can add an explanation to an item that will show in all future reports.
Does this article promise a premium change after a CLUE review?
No. It restates TDCI’s public CLUE consumer page. Informational only — no coverage, eligibility, or pricing promise. For a free local policy review, call 865-263-1400 or use asigtn.com/get-a-quote.
Seasons change. So should your coverage.
