Did You Know Your 保险 Claims Aren’t Secret?
Have you ever wondered whether your insurance claims remain private? 简短的回答是:不，他们没有. Learn what information is available to insurers through a CLUE report, 如何得到一个, 以及它如何影响你的保险.
A Comprehensive Loss Underwriting Exchange (CLUE) report records insurance losses. 首页。 and auto insurers report claims history data to the CLUE database. Reports from this database cover the past five years and include all claims filed. 另外, your CLUE report covers your personal history of insurance claims, 每次索赔所支付的金额, 以及保险公司是否拒绝任何索赔.1
You can request a copy of your CLUE report or the report of a home you wish to purchase to better understand your premiums and what you can expect to pay moving forward.2
What Information Does a CLUE Report Include?
保险 companies provide the following details when you file a claim:
无其他数据(e.g., regarding civil lawsuits, credit reports, or legal judgments) go into the CLUE. 也, you may have a blank CLUE report if you haven't filed any claims within the past seven years or if your insurance company doesn't report to CLUE.1
根据公平信用报告法, every consumer can request one free CLUE report for their property per year. Request your CLUE report online from LexisNexis, an information reporting company. Only the homeowner can request a CLUE report, so you'll need to ask the homeowner to provide the report if you are a prospective buyer. Sellers often request a CLUE report and make it available to prospective buyers as a matter of good faith.
如果你打算买十大最具竞争力平台, this is good information to have because the report can influence your premium. Obtaining your CLUE report also allows you to fix inaccurate data.
How Does a CLUE Report Influence Your Premium?
Most insurance companies report to LexisNexis. You can call your insurer or ask your insurance professional whether your policy does this. The CLUE report tells insurers about the risks associated with insuring your home based on your claims record. Previous claims due to weather or other covered events and disasters tell the insurer a lot about what may occur in the future.1,2
例如, if you previously made a claim for a windstorm or hurricane, there's a good chance you will have similar claims in the future. Unfortunately, though it's beyond your control, this may increase your premiums. Obtaining your CLUE report can help you understand how even small claims can impact your insurance.
Every insurer has its own underwriting procedures and methods for coming up with premiums. Your agent can help you understand the impact of CLUE on your specific policy.
A CLUE report reveals your claims history to insurers. This can impact the rate you pay for your premium and influence potential buyers if you plan to sell your home. 也有好消息. 如果你有一个空白的CLUE报告, indicating no insurance claims in the past few years, this can positively influence your premium obligation.
A blank or favorable CLUE report signals that your home has no known vulnerabilities that pose a high risk to insurers. 考虑获得, 回顾, and fixing any discrepancies in your own report to positively influence your premium.
1. 那智.org, 2022
2. 3。.org, 2022
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