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Can Two People be Listed for the Same Accident on the CLUE Report?

Written by Michele Wilmonen. Posted in Ask An Insurance Question Last Updated: 12/15/2012

A double listing for an accident on a CLUE report can be valid.

Q: Around March of 2011 I was involved in an at fault accident. I was in my mom’s car. Her policy didn’t have enough coverage, so my dad’s policy was involved and had to cover the rest. I’ve been checking out different companies and trying to get quotes. On the CLUE report it shows the date of the accident and has me at fault which is correct. For my dad’s report it also shows the date of the accident and has him not at fault. So, the question is, Should both of us be listed for that accident even though he personally wasn’t involved in the accident. If Yes, why? Should my dad try to get it removed from his report?

A: It sounds like the accident is listed just as it should be. You are listed as being the at-fault driver on your CLUE report because you were the one driving, and your dad is listed as not at fault because the claim was made on his insurance policy. I know he wasn’t involved in the accident itself, but his insurance policy was; which is why it is now showing up on his CLUE report.

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Michele Wilmonen

Michele’s first introduction to insurance was working for a major insurance company as a file clerk and a mailroom supervisor in a regional office. She learned insurance directly from underwriters and claims adjusters from questions and also watching them do their job. Since then, she’s earned a number of insurance certifications from the Insurance Institute of America and also a Bachelor’s degree from the University of Idaho. She blogs at Car Insurance Guidebook.

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