Insurance Claims History Reports
& the FCRA
When you apply for auto, home, or renter’s insurance, the company doesn’t just rely on the information you provide. Insurers often pull a specialty consumer report known as an insurance claims history report. These reports track your past claims and can dramatically impact whether you’re approved for coverage, how much you pay in premiums, and even if your policy gets renewed.
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The most common types of insurance claims history reports are the CLUE Report (Comprehensive Loss Underwriting Exchange) maintained by LexisNexis, and the A-PLUS Report maintained by Verisk. These reports may include details such as:
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Auto accidents, homeowners, or renters insurance claims
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Property losses or damage reported under prior policies
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Claim amounts paid and dates of loss
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Whether you were found at fault or not at fault
The Importance of Insurance Claims History Report
Insurance companies use this information to predict your future risk. Even a single claim can raise your premiums. Worse yet, errors in your report—like claims that belong to someone else, incorrect fault determinations, or claims tied to a prior homeowner—can cost you money or lead to coverage denials.
FCRA Rights & the Insurance Claims History Report
Just like your credit report, your insurance claims history report is protected under the Fair Credit Reporting Act (FCRA). That means you have important rights:
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Free Annual Access: You are entitled to a free copy of your CLUE or A-PLUS report every 12 months.
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Dispute Inaccuracies: If the report contains wrong or misleading information, you have the right to dispute it and the reporting agency must investigate.
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Adverse Action Notice: If an insurer raises your rates, denies coverage, or refuses renewal based on your claims history, they must notify you and provide instructions for obtaining the report.
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Privacy Protection: Only insurance companies with a legitimate purpose, such as underwriting your policy, can access these reports.
Protect Yourself
Because insurance claims history reports can directly affect your financial security and ability to maintain coverage, reviewing them for accuracy is critical. An error could cost you thousands in higher premiums over time.
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At Wells Law – Chicago, we help consumers nationwide challenge inaccurate insurance claims history reports and hold reporting agencies accountable under the FCRA. If your insurance rates skyrocketed because of a mistake—or you were denied coverage altogether—you have legal options.
​Be Informed. Be Empowered. Be Protected. Contact us today for a Free Case Review.
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