I'm not an insurance person but I just had a problem with CLUE. My insurance company notified me that I had 2 collisions reported by CLUE and they were going to "adjust my rates" - never been in one. To make a long story short they were 2 claims, one were I was rear-ended by someone who was at fault, the other was when we had a really bad storm and my car had some roof tiles land on it. I never followed thorugh with the second claim sine I was able to detail the scratches out.. Since I initiated the second claim they assumed collision - why I don't know.

So, as far as CLUE being reliable - forget it. Got everyting cleared up but it took a while and a lot of letters.

I'm not sure were you would go to get your answers but good luck.