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Personal Injury Lawyer

What is C.L.U.E and What Does It Have to Do with Insurance?

By now, a lot of people know about Colossus, a computer program that determines by data what the insurance company should offer you for a settlement. Programs such as Colossus decrease the value of your claim because it doesn’t take into consideration factors such as stress, pain, inconvenience, loss of pleasure of life, inability to participate in the things that you enjoy most or any other claims that a judge or jury will take into consideration.

A lesser-known database called the Comprehensive Loss Underwriting Exchange, or “CLUE,” does the same thing and determines how much you pay for homeowner’s or automobile insurance.

As long as insurance companies contribute loss data to CLUE, they can also withdraw information from the exchange. This means they can use this scoring system to determine the risk that you might file a claim against your policy. The insurance company will use this data to determine your premiums when it is time to renew your policy. When shopping for a new policy, insurers can also access CLUE to decide what amount your policy will be.

The unfortunate side of this program is that it has errors. And when your file has inaccurate information, you might be left without insurance while you are working to correct the mistakes. It’s important that if you discover an error in your report, that you report the problem immediately.

How can I view my CLUE report?

The Fair Credit Reporting Act allows you to access a copy of your CLUE report for free by calling 1-866-312-8076 or visiting https://personalreports.lexisnexis.com.

If you have had a Kansas car wreck injury that was not your fault and need medical treatment, you need an experienced professional who can help you get back on the road to recovery. Call us today at 316-269-1414 or visit our contact page here. Our Kansas personal injury attorneys will provide you a free initial consultation and if we take your case you don’t pay a dime unless we recover money for you. Even then we only take a percentage of the total amount of your recovery.

If you have questions on what you should be looking for when you are making a decision to hire a Kansas personal injury lawyer, read our article located here.

Make sure you download our free car accident app for iPhone or Droid to protect yourself in event of an auto accident.

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Ray Hodge & Associates proudly represents victims and their families across the state of Kansas, including Wichita, Andover, Derby, Goddard, Haysville, Mulvane, Rose Hill, Newton, El Dorado and Hutchinson. Call today for a free consultation all over the state of Kansas. We have proudly served clients in Sedgwick, Butler, Sumner, Harvey, Kingman and Reno Counties.