Shiver in fear and tremble. When the insurance company places your name amongst those in THE database, you know you’re in trouble. Expect higher premiums, difficulties in obtaining new insurances, and loss of coverage as some of the things that will come your way once you’re in the blackballed list.

Most claims are recorded in one or both of the major known databases: CLUE (Claim Loss Underwriting Exchange) and A-PLUS (Automated Property Loss Underwriting System). Claims that are registered in the databases include homeowner claims and auto claims. Health insurance and others are not associated with these databases and are not registered.