Either loss type
What does a Liability — property damage claim mean on a CLUE report?
Property damage liability on a CLUE report means the policy paid for damage the insured caused to someone else's property — on auto reports, typically an at-fault accident.
Liability — property damage in plain English
Your liability coverage responded to damage you caused to another person's property (auto: their car or property; home: see 'Damage to property of others').
On auto reports this usually means an at-fault accident — one of the strongest rating factors an insurer sees.
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
At-fault-looking liability entries for accidents where you were not at fault, or claims belonging to another driver on the policy.
- 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
Police/accident reports, the insurer's fault determination, claim correspondence.