Either loss type
What does a Medical payments claim mean on a CLUE report?
Medical payments losses on a CLUE report are small no-fault medical claims — a guest injured on the property or vehicle occupants — that still count in claims history.
Medical payments in plain English
No-fault medical coverage paid someone's medical bills — a guest hurt on your property (home) or you/your passengers (auto).
Med-pay claims are usually small and no-fault, but they still count as loss history at the address or on the driver.
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
Med-pay entries that duplicate a bodily-injury liability entry for the same incident.
- 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
Medical bills submitted, the claim file showing the single underlying incident.
Sources
- NAIC — Homeowners Insurance topic page (Medical Payments: pays medical bills for people hurt on the homeowner's property or by the homeowner's pets)
- Texas Department of Insurance — Auto insurance guide (medical payments coverage)
- Virginia SCC Bureau of Insurance — Virginia Homeowners Insurance Consumer Guide (medical payments coverage regardless of fault)