Auto loss type
What does a Comprehensive / other than collision (auto) claim mean on a CLUE report?
A comprehensive (other-than-collision) loss on a CLUE auto report covers theft, fire, flood, or vandalism damage to the vehicle — typically rated as not-at-fault.
Comprehensive / other than collision (auto) in plain English
Non-crash vehicle damage: theft, fire, flood, vandalism, animal strikes, falling objects.
Comprehensive claims are generally not treated as at-fault and affect rates less than collision or liability claims.
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
Comprehensive claims miscoded as collision (worse for rates), or claims on a vehicle you no longer owned at the loss date.
- 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
Claim documents showing cause of loss, vehicle sale records.