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What is a C.L.U.E. (Comprehensive Loss Underwriting Exchange) Personal Report and what information does it contain?

The C.L.U.E. Personal Report details past insurance claims filed by consumers and provides information about claims filed on policies. Claims information includes the type of loss (bodily injury or collision, for example), the claim amount, and whether the claimant was at fault.

To request your report, you will need to fill out a form which is available below in a pdf format. We have detected that you have Acrobat version 5 installed so you should not have any problems downloading this report.

Each report will include detailed insurance loss information including:

Insurance Company Address Policy Number Policy Type Loss Date Loss Type Amount Paid Loss Status List or record of companies that have inquired about your loss history in the last two (2) years

30-day online access to your report How to dispute your information if it is incorrect or incomplete (more...)

If you ask your friends and family, chances are they all have different home insurance rates. With hundreds of different agents and insurance companies, the possibilities are endless. However, with so many fraudulent services and “forgetful” agents, you may be getting much more damage than you bargained for. Fortunately there are many different ways to know that you are purchasing a wonderful home insurance plan. Below are tips that will help you when trying to get a reasonable home insurance rate.

1. Know your insurance basics! Without having an understanding of rates and policies, you ll be lost in a sea of information. You need to first figure out what your needs are and the type of insurance coverage that will protect your home and your family. If you do not know anything about home insurance, it may be smart to talk to your friends and parents. By asking other people about what they have, you will not only learn a lot more, but you will find a legit service. There are hundreds of d (more...)

Are you trying to find real instant quotes? If so, let me show you what you need to know first and where to go.

Do you know how much coverage you want? This is important, as many options exist. Thus, not knowing will cost you when getting quotes. As you probably know, purchasing home insurance is a requirement when buying a home. You need to know how to evaluate the costs of replacing your items when choosing an insurance plan to get the right amount of coverage.

You will have to complete a detailed assessment of all the assets or items you own within your home. This will tell you how much coverage you need approximately. Personally, this can be a very time consuming task. Therefore, I have found a place that makes this very easy to complete, as it provides a simple checklist of items owned and totals the value for you.

Homeowners insurance also covers the structure of your home in the event of a disaster, such as a tornado or earthquake. Some policies will cover up 80% of the cost of (more...)

Everyone knows the importance of having life insurance and not taking risks when it comes to providing for our family. Life insurance companies also know about risks and never take them when it comes to setting the rates you will be charged for a policy. But how are the rates determined? Here is a quick look.

Age

Obviously, age plays a big role in setting life insurance rates. The younger you are the lower the premium you will be asked to pay. But, you will also pay this premium for a longer period. It s a trade off so to speak. But life insurance earlier in life and pay less for it or buy it later and pay more.

Occupation And Hobbies

Many people don t realize that your job or hobbies can greatly affect your life insurance rate. For example, an office worker will pay a lower premium than a truck driver or a construction worker.

Your hobbies may also play a key role in your premium. Someone who enjoys skydiving or rock climbing will pay a higher rate, if they can even get (more...)

With hundreds of freak accidents occurring each and every year, people are always anxious when it comes to being prepared for a disaster. After all, we all want to protect ourselves and our families against any danger that may sneak up behind us. Fortunately, if you are a home owner and have the budget to buy home insurance, chances are you will be perfectly safe.

Generally, home insurance coverage financially protects your home incase something were to happen to it. For instance, if there were a theft or a fire, it could easily be protected. This way if anything gets damaged you will be covered. It not only allows you to be able to move temporarily when your home needs to get repaired, but it protects your assets if a disturbance were to occur.

However, what one does need to know is that a lot of situations are not covered in basic home insurance. For example, homeowners insurance in Texas urges you to buy an extra hurricane package. This is because hurricanes are quite common in these area (more...)

Young, fit, strong, and full of the joys of life. That s how most young folks feel. In fact, it s how a lot of adults feel too especially if they ve taken good care of their general wellbeing as they ve grown up. A life of great health and little sickness, what could possibly go wrong?

This attitude finds people wondering if they really need any kind of life insurances at all, or if they already have it, are they investing too much into their individual policy. Without being over melodramatic, we do live in a world with a degree of uncertainty, and the worst things can happen to the nicest people quite unexpectedly.

Here s a way to determine whether you have enough life insurance cover. Ask yourself this is there anyone who depends on you for their financial needs? If the answer to that is an emphatic yes, then you should definitely consider the life insurances around to help protect them in the event that you are unable to. You see, a life insurance policy will continue to provide for t (more...)