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By John R. Merlino Jr. Esq.
Founding Attorney

What is a C.L.U.E. report?

Did you know that a 15-minute review of your driving record could save you 15 percent or more on your car insurance premiums?  While this may sound like a car insurance advertisement, our New York attorneys at Merlino & Gonzalez are not advocating that you call a different insurance carrier; rather, we implore you to take the time to review your driving record or Comprehensive Loss Underwriting Exchange (C.L.U.E.) report now.  A simple error on your C.L.U.E. report could lead to climbing car insurance rates.  The good news is all drivers can review their C.L.U.E. report for errors and request corrections fairly simply so that their rates decline today.

Your C.L.U.E. Report

Chances are you have never even heard of a C.L.U.E. report, but this database holds the power to largely determine your car insurance rates.  C.L.U.E. Auto is a database run by LexisNexis Risk Solutions.  The database is used by 95 percent of all insurance carriers.  Insurance companies report claims data to C.L.U.E., including your policy information, name, birthdate, and any claim details.  Claim information will include the amount of loss along with a fault indicator, where the

insurance company indicates whether the accident was your fault.
When you apply for car insurance or when your premium comes up for renewal, your insurance carrier will obtain a copy of your C.L.U.E. report.  The report will be a deciding factor in your premium rates.  If your report contains an error, particularly in the fault field, it could cost you greatly.  Incorrectly marked reports can happen frequently due to human or computer error.

Reviewing Your C.L.U.E. Report

To ensure your C.L.U.E. report is accurate, you should contact your insurance carrier or LexisNexis Risk Solutions.  You have the right to a periodic copy of the report and will not be charged a fee so long as you request no more than one copy a year.  Once you receive the report, you should look it over closely for errors.  Pay close attention to the fault indicator field and be sure you recognize any and all claims.
If you spot an error in your C.L.U.E. report, take action to correct it by writing to both your insurance carrier and LexisNexis Consumer Center.  LexisNexis is legally required to review any reported errors. Errors that are confirmed will be corrected within 30 days from the date of your letter.  Continue to review your report to ensure it remains error free so that your car insurance rates accurately reflect your driving record.

About the Author
John is a fierce advocate and the office guru for problem-solving and brainstorming. He guides clients through every stage of a real estate transaction from offer to contract, navigating through nerve-shattering home inspection and title clearance concerns, maintaining constant contact with lenders, conducting the actual closing, and continuing to advise clients with regard to any post-closing concerns.  John brings a practical and fair-minded approach to the process which has earned him the respect of his clients and peers.