🔍 Why Does an Accident Appear on a C.L.U.E. Report but Not on an MVR?

It is possible for an accident or insurance claim to appear on a C.L.U.E. report but not appear on the driver's Motor Vehicle Record (MVR). This does not necessarily mean either report is incorrect. The two reports obtain information from different sources and are designed for different purposes.

What is a C.L.U.E. Report?

C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a claims-history database maintained by LexisNexis Risk Solutions and commonly used by insurance companies for underwriting and rating insurance policies.

C.L.U.E. Auto generally contains up to seven years of personal automobile claims history and may include information about:

• Insurance claims and dates of loss
• Type of loss
• Amounts paid
• Driver information
• Vehicle information, including VIN
• Insurance policy information

👉 C.L.U.E. is primarily an insurance claims and loss-history source.

What is an MVR?

A Motor Vehicle Record (MVR) is sourced from the driver's state Department of Motor Vehicles or other state driver-licensing agency.

Depending on the state, an MVR may contain:

• Driver license status
• Traffic violations and convictions
• License suspensions or revocations
• Certain accidents
• Other state-maintained driving record information

👉 An MVR reflects only the information maintained and made available by the applicable state agency.

Why Might an Accident Be on C.L.U.E. but Not the MVR?

An insurance company may receive and report a claim even though the accident never becomes part of the driver's state motor vehicle record.

For example, an accident may:

• Result in an insurance claim but not be reported to the DMV
• Not meet a state's requirements for inclusion on the driving record
• Be associated with a vehicle or insurance policy without becoming a driver-record accident
• Be reported through insurance channels that are separate from DMV reporting
• Fall outside the state's MVR reporting or retention period

ℹ️ Because C.L.U.E. and state DMV records are independent data sources, the information on the two reports will not always match.

C.L.U.E. vs. MVR

C.L.U.E. Report: Primarily reflects insurance claims and loss history.

MVR Report: Reflects driving-record information maintained and released by the applicable state DMV or licensing agency.

👉 Important: The absence of an accident from an MVR does not establish that the accident did not occur. It simply means the accident is not being reported as part of the driver's motor vehicle record by the applicable state agency.