innovate http://www.thebarntreatments.co.uk/43751-viagra-usa.html CLUE (Comprehensive Loss Underwriting Exchange)
http://thegeeze.com/29673-retin-a-cream-uk.html What is CLUE?
CLUE is a claims-information report generated by LexisNexis®, a consumer-reporting agency. The report generally contains up to seven years of personal-auto and personal-property claims history.
What a CLUE report contains
The report contains the following claim information provided by your insurance company:
Date of birth
Date of loss
Type of loss
Amount the company paid
Description of the covered property
Property address for homeowner claims or specific vehicle information for auto claims
What companies report
Insurance companies report all claims for which they:
Pay out money
Set up a file for a possible claim
Formally deny a claim
LexisNexis advises insurance companies not to report claims information when you contact them to simply ask a question about coverage or your deductible.
How insurance companies use CLUE reports
An insurer may request a CLUE report when you apply for coverage or request a quote. The company uses your claims history, or the history of claims at a specific property, to decide if it’ll offer you coverage and how much you’ll pay. Insurance company studies show a relationship between past claims and claims you report in the future.
Get a free report
The Fair Credit Reporting Act entitles you to a free copy of your CLUE report. To request a copy, contact:
LexisNexis, Consumer Center
Request your personal report online (www.lexisnexis.com)
Note: If you need a CLUE report on a property you’d like to buy, the owner must request it.
Why ask for a report?
You can check for inaccurate or unrelated information that could be making you pay higher premiums. If you find mistakes, contact LexisNexis Consumer Center at 888-497-0011. They’ll verify your information with the reporting insurance company and notify you of the results within 30 days.
You can add an explanation to an item in the report that will show in all future reports.
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Select “Add to Cart” for a sample form to make a free annual CLUE Report for Property from LexisNexis Risk Solutions Bureau LLC, a specialty consumer reporting agency for insurance claims (related to individual Automobile Insurance and Property Insurance).
C.L.U.E. Inc. Consumer Disclosure Center
P.O. Box 105295
Atlanta GA 30348-5295
Download a sample form to request a free annual copy of your CLUE Report for Property from LexisNexis Risk Solutions Bureau LLC.
Background of the CLUE (Comprehensive Loss Underwriting Exchange) Report for Property from LexisNexis
buy topamax online Consumers have the right to request a free copy of their CLUE Report for Personal Property (Comprehensive Loss Underwriting Exchange) from LexisNexis Risk Solutions Bureau, LLC , a wholly owned subsidiary of LexisNexis / Reed Elsevier PLC. Or call C.L.U.E. Inc. toll-free at 1-866-312-8076.
The CLUE Report and the insurance scoring system provided by Choicepoint (a Division of LexisNexis / Reed Elsevier PLC) is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy.
Insurers utilize personal information in the CLUE Report for Personal Property to decide your risk profile (e.g., how likely you are to file a claim against your policy). Insurance companies that contribute loss data to the Comprehensive Loss Underwriting Exchange (C.L.U.E.) can withdraw information from the exchange. In addition, some insurance agents, with the authority of the company they represent, can withdraw data.
Your consumer report file in the Comprehensive Loss Underwriting Exchange (CLUE) contains personal claim information provided by insurance companies; it also includes policy information such as name, date of birth, policy number, and claim information including date of loss, type of loss and amounts paid, and a description of the property covered. For homeowner’s coverage, the the CLUE Report for Personal Property contains the property address, and for auto coverage, it includes specific vehicle information.
As a warning, all consumers should be aware that merely contacting their insurance company or their insurance agent to discuss an actual loss might be considered reporting a claim, even if the company does not end up making a claim payment. This is because when a loss occurs, the policy requires the company to take specific actions within specified time frames.
Annual Disclosure Request
Under the federal Fair Credit Reporting Act (FCRA), all consumers can request a copy of your CLUE Report for Personal Property by mail at “C.L.U.E. Inc. Consumer Disclosure Center, P.O. Box 105295, Atlanta GA 30348-5295” or by telephone at 1-866-312-8076.