Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health insuran...

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Chris Harrigan has an economic degree from Limestone College and an MBA from Clemson University. He previously managed auto insurance claims for Enterprise Rent-A-Car. Currently, he is using his business and insurance expertise to provide insurance data analysis and visualizations to enhance the user experience.

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Reviewed by Chris Harrigan
Former Auto Insurance Claims Manager Chris Harrigan

UPDATED: Apr 13, 2022

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Here's what you need to know...

  • Car insurance companies share information with three database services
  • Insurance Companies use the three database services to gather information on drivers
  • Information in the database is used to determine your risk as a driver
  • The information is used for rating new applications, renewals, and changes during the policy period

You may assume your auto insurance company will check your driving record with the state. But what if you have a small claim like a windshield replacement or damage from road debris? This wouldn’t be on any police report generally speaking, but your current insurance would process a claim if you reported it to them.

No matter how small, car insurance companies do share claim information with information database companies.

This is how many drivers benefitting from accident forgiveness experience an increase in their quoted rates when they try to move to another company. An insurance company will use the database service to access details on prior claim information.

The information that the services gather on your history includes:

  • Accidents
  • Insurance Losses
  • Driving records
  • Court records
  • Other driver related information

You have the right to view much of the information insurance companies collect on you. That information gets used in their policy reviews and for new insurance applications.

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What Are The Three Primary Sources of Insurance Claims Information?

There are three primary sources of claim information that an insurance company can use to gather information on an insured, and they are:

  • C.L.U.E.
  • Drivers History
  • Insurance Information Exchange (iiX)

When a driver makes a claim to an insurance company, database services update their reporting to include the new information.

The different database options are then used by an insurance company when rating a car insurance policy for new policies, renewals of policies, or checking on a driver. If you pay your premiums on time and nothing is reported to them, many insurance companies will not check your record after your initial instant reports. Why? Simply put, it costs them money each time they do it. Insurance companies will always do an initial pull to give you an introductory rate that makes sense.

The database information can provide the new insurance company accurate details on what losses the potential insured may have sustained.

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C.L.U.E. stands for comprehensive loss underwriting exchange. The C.L.U.E. report generated from your information is compiled by a company named LexisNexis. The information being gathered covers a period of the prior seven years. This goes far beyond simple license status updates. So if you have a small ticket or something else you want to hide, C.L.U.E will most likely turn it up.

This listing includes the history of any car insurance claims, which will include several pieces of information and they are:

  • Loss type
  • Date of loss
  • General Information like policy number, insurance company name, and claim number
  • Amount of loss

The report covers information that a new insurance company will use in determining the risk of a new driver. That is why you need to provide accurate information on prior claims when you compare car insurance premiums.

Providing complete details of your driving record assures the premium quote will not involve any surprise changes in the costs.

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How C.L.U.E. Uses Your Information

Each company will use the report based on their view of the risk factors that they determined are important for a new driver. That information can allow one insurance company to provide a much lower premium than another insurance company.

The difference is due to each company finding different risk factors to be more important.

The C.L.U.E. report also lists any record requests related to your driver’s information. The reported claim history on the report shows:

  • The dollar loss from a collision
  • Physical/property damage
  • Rental reimbursement amounts paid

There is also a section that lists other possible records that may be related to the driver. On the sample report that LexisNexis provides, there is a portion of the report that displays whether the insured was determined by the insurance company to be responsible for the claim.

Based on information provided by LexisNexis, not all insurance companies will provide fault information in the reports. You can view a sample of what the C.L.U.E. report looks like and the information given by clicking here.

The C.L.U.E. report is covered by the Fair and Accurate Credit Transactions Act, allowing you the ability to order a copy of your report.

You can receive a copy of your report by contacting LexisNexis.

It may be a good idea to check your report before you apply for new car insurance. Checking your report allows you to verify that the information your insurance company gets is accurate.

Drivers History

Drivers History is a company founded in 2002. They gather information on court traffic violations and criminal proceedings, providing the information to car insurance companies.

The company does not currently do business in all states. In 2014, the company sold a majority ownership to the TransUnion, one of the three primary credit reporting agencies in the United States.

Drivers History provides a report on court-based traffic violation data. This information may go beyond the information displayed on motor vehicle reports from each state. The data may list information even before it shows up on your MVR.

You can order the report before applying for a new car insurance policy. The report can also be used in the renewal process to verify any changes in the driver data.

Drivers History uses data that is subject to the Fair Credit Reporting Act. You can request a copy of your report to review your information for accuracy.

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Insurance Information Exchange

Insurance Information Exchange provides reports to car insurance companies. They have reports available for the following:

  • Motor vehicle reports
  • Driver monitoring
  • Policy monitoring
  • Undisclosed drivers
  • Vehicle Identification Number Searches
  • Auto loss history reports
  • Coverage verification
  • Credit score reports
  • Department of motor vehicle information exchange

Insurance Information Exchange is not currently available in all states.

The information they provide ranges from your motor vehicle report to your claims history. You can request a copy of your report under the Fair Credit Reporting Act by clicking here.

Since they provide different types of information, you may not be able to receive copies of all information that they gather.

You have the right to request copies of your reports to verify their accuracy. Information that is gathered by insurance companies is used when you apply for new coverage or renew your coverage.

Insurance companies use this information to determine the level of risk for a driver. When you apply for new car insurance, you can know that they will have the information on you to give an accurate rate quote.

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