Either loss type
What does a Liability — bodily injury claim mean on a CLUE report?
A bodily injury liability loss on a CLUE report means the policy paid or defended a claim for injuring another person.
Liability — bodily injury in plain English
Someone outside your household was injured and your policy's liability coverage responded.
Liability claims are weighted heavily by underwriters because they can be expensive and can repeat (e.g., hazards on the property).
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
Liability entries with large paid amounts you don't recognize, or injury claims that were actually filed against a prior owner or tenant of the address.
- 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
The claim file, incident reports, settlement documents.