Auto insurance companies in the United States are primarily regulated at the state level. Each state has its own insurance department or regulatory body responsible for overseeing insurance companies within its jurisdiction. These state insurance departments ensure that insurers comply with state laws and regulations, protecting consumers and maintaining the stability of the insurance market.

State insurance commissioners or superintendents head these regulatory bodies and have the authority to approve or disapprove rate changes, review policy forms, and investigate consumer complaints against insurance companies. They work to ensure that insurers are financially sound, treat policyholders fairly, and adhere to state laws.

In addition to state oversight, there is a national association called the National Association of Insurance Commissioners (NAIC), which comprises insurance regulators from all 50 states, the District of Columbia, and five U.S. territories. The NAIC facilitates collaboration among state regulators, develops model laws and regulations, and provides resources to support effective insurance regulation.

The combination of state insurance departments and the NAIC creates a comprehensive regulatory framework for auto insurance companies, promoting consistency in certain aspects of insurance regulation across different states while allowing for state-specific variations based on local laws and needs. This system aims to protect consumers, maintain market stability, and ensure fair and competitive practices within the insurance industry.

A CLUE report, which stands for Comprehensive Loss Underwriting Exchange, is a tool used by insurance companies to assess the claims history of individuals seeking auto insurance. Maintained by LexisNexis, the CLUE database compiles information on insurance claims, including both personal property and auto claims. When a policyholder files a claim with their insurance company, details about the claim are reported to CLUE.

For auto insurance, a CLUE report typically includes information about accidents, damages, and other claims-related data. Insurance companies use this report to evaluate the risk associated with providing coverage to a particular individual. A history of frequent or severe claims may indicate a higher risk of future claims, potentially influencing the cost of insurance premiums or the eligibility for coverage.

Consumers can request a copy of their CLUE report to review and ensure its accuracy. Checking the report allows individuals to address any inaccuracies that might adversely impact their insurance premiums. It's important for consumers to be aware of the information in their CLUE report, as it can affect their ability to obtain affordable auto insurance coverage.