Auto loss type
What does a Uninsured / underinsured motorist (auto) claim mean on a CLUE report?
An uninsured motorist loss on a CLUE report means your own coverage paid after an uninsured or hit-and-run driver hit you — a not-at-fault claim.
Uninsured / underinsured motorist (auto) in plain English
Your own policy paid because you were hit by a driver with no (or not enough) insurance, or in a hit-and-run.
These are not-at-fault claims by definition; if a UM claim is making your history look at-fault, that's worth disputing or explaining.
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
UM/UIM claims presented without their not-at-fault context.
- 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 reports identifying the uninsured/hit-and-run driver, the insurer's coverage determination.