What is the name of the database used by U.S. insurers to share information about claims history?

The U.S. insurers’ database used to share claims-history information is the Comprehensive Loss Underwriting Exchange, commonly called CLUE.

CLUE is a claims-information exchange operated by LexisNexis Risk Solutions. Insurers can use participating databases to review reported property and auto claims when underwriting or pricing coverage. A report may include details such as the type of loss, date, and amounts associated with a claim, helping an insurer assess an applicant’s prior loss history rather than relying only on the applicant’s description.

CLUE is not the same thing as a credit-based insurance score. A credit-based score uses information derived from credit-report data, whereas CLUE focuses on insurance claims history. LexisNexis Risk Solutions is the company associated with operating the exchange, not the name of the database itself. A Motor Vehicle Record is a government or licensing record about driving history, including items such as violations or license status.

Consumers can encounter CLUE most often when buying homeowners, renters, or auto insurance. Because reports can contain errors, U.S. consumers may request their own report and dispute inaccurate information under applicable consumer-reporting rules. The database is one underwriting input, not an automatic decision-maker.