Before binding coverage, insurance underwriters query centralized data repositories to verify applicant loss histories and risk classifications.

1. LexisNexis C.L.U.E. (Comprehensive Loss Underwriting Exchange)

C.L.U.E. reports catalog seven years of auto and property claims history, detailing payout amounts, loss dates, and claim types across all insurance carriers. Consumers can request one free annual report under the Fair Credit Reporting Act (FCRA).

2. Motor Vehicle Reports (MVR)

Auto insurers pull state DMV driving records to audit moving violations, speeding citations, DUI convictions, and license suspensions.

3. Medical Information Bureau (MIB)

For life and disability applications, MIB records aggregate medical diagnostic codes from previous insurance applications to prevent omission of pre-existing health conditions.