In addition to driving records from the Department of Motor Vehicles, automobile insurers may obtain information about your insurance and driving history from other sources. One such source is CLUE (Comprehensive Loss Underwriting Exchange), an information database used by insurers. This system, which functions similar to a credit reporting agency, gathers data from insurers regarding their past and present insureds' claim histories. When an insurer writes and/or rates a policy, it may request a report on an applicant/insured from this system. The insurer does have the right to pertinent information regarding any risk they may consider accepting, which includes information on accidents and/or traffic violations.
An insurer must notify you whenever CLUE has been used in making any decision or change regarding your policy. The insurer should also verify any information on which it bases its underwriting decisions, regardless of the source. In any case, if information in a CLUE report has been used against you, you may ask your insurer for more information on how to obtain copy of your CLUE report.