As March comes around, it brings to mind the start of Spring and Spring cleaning which should also include your insurance. Sound crazy? We thought you might think that, but when was the last time you looked at your C.L.U.E. report? Still confused? Your C.L.U.E. (Comprehensive Loss Underwriting Exchange) report is where insurance companies get information about the claims you have previously made.
C.L.U.E. reports cover both home and auto claims, and just like credit reports, they can have wrong information. Just like credit reports, you can get a copy of your C.L.U.E. report by going to LexisNexis.com, create a free membership profile, and fill out a request form. In a matter of minutes your report will be available for you to view and print. The report is easy to read and shows you the claims you have reported. It will include details like the policy number under which the claim was filed and how much was paid. It also provides the dates of claims, the cause of the loss, amount paid, and whether loss was related to a named catastrophe (hurricane, earthquake, etc.),
Read over your report carefully to make sure everything is accurate. If you find something that is not correct, you will need to file a dispute with Lexis Nexis. You can do this by writing to them and be sure to include all the details about the dispute. Once Lexis Nexis receives your dispute, they will investigate and notify you of the results. Inaccurate information should be removed or you can request that a consumer statement be added to your report so that future viewers of your C.L.U.E. report will see your explanation.