Personal lines policies are based on factors such as your credit, where you live, the type of home or vehicle you possess, your age, your claims history, etc. If you have made previous insurance claims, they are filed on a database called CLUE: Comprehensive Loss Underwriting Exchange. CLUE is a claims history database created by ChoicePoint that enables insurance companies to access consumer claims information when they are underwriting or rating an insurance policy. We will also run your driving record for tickets and accidents.