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 Posted: Wed May 13, 2009 4:06 am Post subject: CLUE report: What information does it consist? |
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| What incidents are reported to CLUE? whether traffic ticket, breach of signals and red light camera incidents also reported to CLUE? |
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smith123
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| Posted: Thu May 14, 2009 6:28 am Post subject: CLUE report is a product of ChoicePoint |
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Hi Smith,
| Quote: | | What incidents are reported to CLUE? whether traffic ticket, breach of signals and red light camera incidents also reported to CLUE? |
The CLUE report would contain only the information related to insurance claims. It, however, wouldn't have the traffic violation reported to it.
Clue stands for Comprehensive Loss Underwriting Exchange and is accessible only by the owner of the property, insurer and lender. You can also request for the report from ChoicePoint to check if all the information reported to it are accurate.
| Quote: | | whether traffic ticket, breach of signals and red light camera incidents also reported to CLUE? |
Have you got anything of such reported to your CLUE?
Thanks, Rupert |
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RupertWBradson
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| Posted: Thu May 14, 2009 2:17 pm Post subject: |
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| Thanks Rupert, is there a link to the website choicepoint, wherein one can download CLUE report? |
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smith123
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| Posted: Fri May 15, 2009 3:00 am Post subject: |
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Welcome Smith 
| Quote: | | is there a link to the website choicepoint, wherein one can download CLUE report? |
Here is the resource you have asked for..
Choice point
Let me know if I can be of more help. |
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RupertWBradson
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| Posted: Sun May 17, 2009 2:49 pm Post subject: |
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| Thanks, I can get into the website of choice point |
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smith123
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| Posted: Mon May 18, 2009 4:34 am Post subject: |
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| Quote: | | Thanks, I can get into the website of choice point |
You are welcome buddy Happy to help 
Remember that you can also receive your free CLUE report once in every 12 months. So you can check it to make sure that all the entries are correct in it.
Rupert |
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RupertWBradson
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| Posted: Tue May 19, 2009 1:53 am Post subject: CLUE |
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| The CLUE report is only accident related incidents. Tickets are reported directly to the DMV and will show up on your MVR (motor vehicle record). Most companies report to choicepoint BUT some companies do not check that report such as Access General. |
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Agent007
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| Posted: Tue May 19, 2009 4:07 am Post subject: |
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Agent007 said:
| Quote: | | Most companies report to choicepoint BUT some companies do not check that report such as Access General. |
Any particular reason for that, Agent?
IMO CLUE report plays an important role in determining the premium rate for the policy holder, now if they don't consult this report how would they determine whether or not to cover this business. Kindly explain  |
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RupertWBradson
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| Posted: Tue May 19, 2009 4:10 am Post subject: |
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| Thanks for all the replies. I'm just curious to know whether there is any limit on the number of times an incident is reported to CLUE, subseuqent to which many of the insurance providers won't write policy as the risk involved is high |
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smith123
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| Posted: Tue May 19, 2009 10:40 am Post subject: |
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| I can not see it being legal to report an accident more than one time to a clue report. If it was reported twice I would imagine it would have to be looked at as one single incident. Anyone know for sure? |
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fireyone
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| Posted: Tue May 19, 2009 2:54 pm Post subject: |
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| Thanks, my question was whether the insurance providers will stop underwriting insurance to any person who has been reports so many number of times to CLUE for different incidents (not the same being reported twice) |
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smith123
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| Posted: Tue May 19, 2009 4:25 pm Post subject: hmm |
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well sometimes it CAN be reported more than once if the incident has another incident withing itself. Like a property damage claim and also a bodily injury claim.
and Rupert yes some companiesdo not report to choice point they report to a different company that I do not remmeber the name of off the top of my head. But there are also companies that ignore the choicepoint CLUE report entirely and do not put the accidents into consideration such as Access General like stated before....so some times placeing the client with a company like that is very benificial. |
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Agent007
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| Posted: Wed May 20, 2009 9:44 am Post subject: |
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Agent,
| Quote: | | such as Access General like stated before....so some times placeing the client with a company like that is very benificial. |
Sounds like they have specialized in insuring high risk drivers. I think if a company does that they would surely charge higher rates than their competitors since they are lenient in underwriting. Am I wrong? |
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RupertWBradson
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| Posted: Wed May 20, 2009 6:40 pm Post subject: |
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rupert,
well yes the do specialize but as I stated before some companies report the accidents to a different company. And by chance Access is one of those. They do not only specialize in high risk but they do not check what choicepoint claims. |
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Agent007
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| Posted: Thu May 21, 2009 3:47 am Post subject: |
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| Quote: | | well yes the do specialize but as I stated before some companies report the accidents to a different company. |
Okay, ChoicePoint or the other but the insurance companies do a background check on the driver before writing the business.
I got the impression from your posts that some of the insurers write policies without looking at the claim history of the insured. But, thanks for clarifying it for me.
Thanks,
Rupert |
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RupertWBradson
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