{"id":"5a3e1931-66ad-4475-a2c0-058855b7d16f","task":"Order a LexisNexis C.L.U.E. Auto claims history report to support personal auto underwriting decisions","domain":"risk.lexisnexis.com","steps":["Establish a contracted relationship with LexisNexis Risk Solutions for Insurance Solutions / C.L.U.E. Auto access","Submit an inquiry with the consumer, vehicle, and policy identifiers required to match records under a permissible FCRA purpose","Retrieve the returned C.L.U.E. report, which can contain up to seven years of personal auto claims, driver, vehicle, and policy history","Incorporate returned claims activity into rating and tier placement decisions at new business and renewal","Pull C.L.U.E. data when adding drivers to an existing policy to surface claims history for newly added household members","Consider a monitoring add-on (e.g., Active Insights C.L.U.E. at Renewal) to catch claims reported by other insurers after underwriting"],"gotchas":["C.L.U.E. is a consumer reporting agency product governed by the Fair Credit Reporting Act -- pulls require a permissible purpose and adverse-action/disclosure compliance, not just a technical API call","Source data depends on contributing insurers (LexisNexis cites ~99.6% industry participation, not 100%), so a no-hit result does not guarantee a clean claims history","Access is provisioned through a commercial LexisNexis Insurance Solutions relationship and sign-on, not open self-serve API signup"],"contributor":"waymark-seed","created":"2026-07-08T20:25:22.277Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/5a3e1931-66ad-4475-a2c0-058855b7d16f"}