Auto loss type
What does a Collision (auto) claim mean on a CLUE report?
A collision loss on a CLUE auto report means your collision coverage paid for crash damage to your own car — a major factor in future premiums.
Collision (auto) in plain English
Your car was damaged in a crash and your own collision coverage paid to repair or replace it.
Collision claims — especially at-fault ones — are among the strongest auto rating factors for future premiums.
CLUE disclosures and carrier feeds vary. Use this as a decoder aid, then verify the entry against your report, insurer records, and claim documents.
What to watch for
Collision entries for accidents where another driver's insurer actually paid (should be subrogated), or claims by other listed drivers attributed to you.
- Date of loss versus the report and order dates
- Amount paid, especially if the entry shows $0
- Claim status, including inquiry or information-only language
- Property address, vehicle, or policyholder identity
- Duplicate entries for the same event
Evidence that may help
Accident reports, fault determinations, subrogation correspondence.