Most insurance companies use a national database called a CLUE report. CLUE, which stands for Comprehensive Loss Underwriting Exchange, is used by insurers to compute your risk profile.
Frequent claims recorded on your CLUE report can affect your rates with your current insurer or make it more difficult to obtain affordable rates from a new insurer. Some states have passed laws prohibiting insurers from reporting mere inquiries that don't result in a claim payment.
Because of the CLUE database we recommend that all claims be reported to our office first. We may advise you not to file a property or auto claim which barely exceeds your deductible. Liability claims should always be settled by your insurance carrier.
Contact our office with any questions about your risk profile, or any insurance needs.
Call 614-459-6500 and ask for Dan or Ken.
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