How to Check Your Auto Insurance Claims History in 2025 (3 Simple Steps)

You can check your auto insurance claims history by asking your insurer for a letter of experience. If you don’t want to contact your insurance company, you can get your claims history by ordering your CLUE report. 

When getting auto insurance quotes, you might need to provide information about your claims history so companies can determine if you need high-risk auto insurance. 

Read on to learn how to get your claims history and why companies look at your claims history. Want to shop for cheap auto insurance after making a claim? Enter your ZIP in our free quote tool.

3 Steps to Check Your Auto Insurance Claims History

Checking your auto insurance claims history involves just 3 simple steps. The first step is to contact your auto insurance company or LexisNexis, a consumer reporting agency that can provide you with a CLUE report.

The second step is to provide some relevant information, such as your name, age, address, and possibly your policy number. Your insurance company will usually give you a letter of experience, while LexisNexis offers an official claims history report. Both options offer all the necessary information about your past insurance claims.

Step #1: Contact Your Company or CLUE

If you haven’t done it before, you might be wondering how to check your insurance history or how to get your insurance claim history report. To get your claims history, contact your auto insurance company. If you filed claims with an old company, you can also reach out to them.

If you don’t want to contact your insurance company or the company has shut down, you can order your Claims Loss Underwriting Exchange report directly through the consumer reporting agency LexisNexis.

You are allowed one free insurance history check a year from its car insurance claims database, and it can be helpful when applying for a job and when you have to disclose accidents so you can get a new insurance policy.

Learn More: Can I cancel an auto insurance claim after filing it?

You can order your CLUE report by visiting the company’s website or calling the toll-free number to order it by phone.

Obviously, the easiest way to check your claims history is through your insurance company, but if you can’t, this is the next best thing. If you find that anything is incorrect on your CLUE report, you can dispute it through LexisNexis.

Step #2: Give Relevant Information

When contacting your auto insurance company or LexisNexis to get your auto insurance record that contains insurance claims history, you will have to provide relevant information, such as your name, age, and address. With your auto insurance company, you will likely also need to know your auto insurance policy number.

Step #3: Receive Report or Letter of Experience

If you requested your report from LexisNexis, you’ll have 30-day access to your report online, but you’ll be able to download and save it to your computer if you want.

Read More: Best Auto Insurance Companies That Use LexisNexis

If you request your report from your insurance company, you will receive a letter of experience from your auto insurance company. A letter of experience is a document that shows detailed information about your policy with a company and the claims they’ve investigated and settled. So, what exactly does a letter of experience contain? 

A letter of experience contains the following information:

• Customer and Policy Information: You will see the name of the insured on the policy and policy number, as well as the policy’s current status, start, and termination date.
• Accident Information: The letter will include fault determination, the driver who was operating the vehicle, and injuries claimed.
• Claim Information: You will see the date of the claim, the type of claim being filed, and the total payout for each coverage. 

The letter of experience has to be printed on company letterhead and signed by an authorized representative. It contains all the information that the carrier needs to assess your rates.

How Auto Insurance Claims Affect Auto Insurance Rates 

You probably already know that insurance companies check driving records when assessing your insurance rates. Your driving record also includes your claims history.

Since insurance companies can’t reasonably follow drivers around to see if they’re driving responsibly, the solution is to base risk and rates on the driver’s past driving and claims history. 

By looking at your claims history, your insurance company can put you in the right risk group.

Having access to past claims records means you’ll know whether your auto insurance payments will be on the higher side or the lower side, giving you a better idea of how much you’ll need to budget for car insurance every month.

It can also help you see if there are errors or omissions in your profile that are holding your rates high. These might include accidents you were originally deemed at fault for but which were later determined to be not your fault. 

How do past claims affect your future insurance rates? If you’ve never been in an accident or been in a situation where you had to file an auto insurance claim, you have nothing to worry about as far as your claims history.

Your risk affects your rates, but so do the surcharges applied for each claim and each ticket. An auto insurance surcharge is a fee added to your insurance premium, typically because of a ticket or at-fault accident. Late payments or coverage lapses could also mean an added surcharge. 

Benefits of Checking Your Auto Insurance Claims History

You can check your auto insurance claims history report through your insurance company or LexisNexis. Knowing your claims history ahead of time can give you peace of mind when shopping for new insurance. You can rest assured you’ll get the best possible rates when comparing multiple auto insurance quotes because insurance companies don’t see you as a high risk.

If you have a short claims history or no claims history at all, you’ll be classified as low risk, and you’ll get the best rates on your auto insurance.

Once you know your claims history records, you can confidently begin searching for a new auto insurance company that’s right for you. Enter your ZIP in our free quote tool to find the best auto insurance company for you.