CLUE report or driving record
They are two different files. One is about how you drive, the other about the insurance claims you have made.
Updated 13 November 2026
Your driving record
Kept by the state that issued your license. It lists your license status, convictions for moving violations, suspensions and, in many states, crashes and points. You can order a copy of your own.
Your CLUE report
CLUE stands for Comprehensive Loss Underwriting Exchange. It is a database run by LexisNexis Risk Solutions that insurers report claims to. An auto CLUE report lists the claims made on your policies, going back up to seven years: the date, the type of loss and the amount paid.
It is free. A federal law, the Fair Credit Reporting Act, entitles you to one copy every 12 months, which you request from LexisNexis.
How insurers use them
When you ask for a quote, an insurer will usually look at both. Your driving record tells them about tickets and suspensions. Your CLUE report tells them about past claims, including ones where nobody got a ticket.
Which one to check
Both, if your premium has gone up and you do not know why. Start with whichever is more likely to hold the surprise: the driving record for a ticket you had forgotten, the CLUE report for a claim.
See your own record
Your record shows exactly what is on file for you. Pick the state that issued your license.
Related
- Driving record for insurance
Insurers read your driving record when they set your price. How to see what they see, and what else they check.
- How long do accidents stay on your record?
Usually three to five years on your driving record, depending on the state. Insurers also keep their own claims history for up to seven years.
- Driving history report
A driving history report lists your license status, violations, suspensions and crashes. How far back it goes and how to order yours online.
- Check your driving record
How to check your driving record: what you will see, when it is worth checking, and how to order a copy of your own record from any state.