Of the two databases, CLUE or Claim Loss Underwriting Exchange is the more popular one. Such is the popularity it enjoys that people in the insurance industry field affectionately call reports generated by the database as CLUE reports. The same goes for reports generated by A-PLUS as well.
The information withheld within the database is so expansive, that people barely realize the extent of what insurance companies can do. The companies have free jurisdiction over the database on how much information they can use to research and screen applicants. Afterwards, some cases could be raised to higher rates and the applicants might have difficulty obtaining coverage in the future.
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