Have you checked your CLUE report?
A Comprehensive Loss Underwriting Exchange (CLUE) report contains information on insurance claims that you have made, as well as the loss history for a particular property, such as your home or car. This allows the insurance companies to not only find out what claims you have filed in the past, but also identify claims that may have been filed by the previous owner of your home — claims that you may not even know about!
Insurance companies use CLUE reports much like credit reports when setting your insurance rates or determining whether to even offer coverage. Information gathered from your CLUE report may also be used by the insurance companies as a weapon against injury victims — they do this by asserting that the victim’s injury is related to a previous accident or injury (which the insurance company discovered from the injury victim’s CLUE report).
Just as it is important to review your credit report for errors, it is also important to check your CLUE report. Finding out what the insurance companies are reporting and accessing on your CLUE report can bring you one step closer to evening the playing field when you are pursuing a claim for injuries or shopping for insurance.
