LexisNexis Risk Solutions

LexisNexis Risk Solutions is a data and analytics platform owned by RELX Group that emerged from the 1988 launch of the C.L.U.E. Auto claims database, then expanded through the Risk & Information Analytics Group (RIAG) formed in 1997, and solidified after Reed Elsevier acquired ChoicePoint in February 2008 for $3.6 billion.

Market reach. The platform now serves 99% of US personal auto and home insurers, as well as the top 25 US life and commercial auto insurers. In 2023, 86% of new US auto insurance policies benefited from LexisNexis solutions. The company also serves 23 of the world's top 25 global insurance companies, with 6,300 employees across the US and internationally.

Core products. Current Carrier Auto covers 96% of US auto insurance policy data and validates prior coverage, helping underwriters verify proof of insurance and identify policy lapses. C.L.U.E. Auto remains the industry standard for personal auto claims history; C.L.U.E. Commercial extends this model to commercial lines. The platform integrates motor vehicle records, credit data, medical data (for life insurers), and loss history to power rating, underwriting, and fraud detection workflows.

Lines supported. The platform spans personal lines (auto, home), commercial (auto, general liability, workers' compensation), and life insurance. Recent product launches target life underwriting efficiency—LexisNexis Life Smart Path integrates behavioral and personal data into application workflows, and expanded medical data access helps life insurers assess applicant risk at underwriting.

Generation and positioning. LexisNexis Risk Solutions is a modern data platform built on classical analytics and public records aggregation rather than AI-native algorithms. It sits upstream of carrier underwriting and claims systems, providing decision-grade intelligence rather than replacing core workflows. Forrester named it a leader in digital fraud management (2023) and a strong performer in enterprise fraud management (2024). Celent recognized it as a luminary for financial crime compliance screening.