Do insurance providers have to have personal information about others who live in your household but have their own separate insurance?

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Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Aug 7, 2011

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Insurance Question from La Cienga, NM

Asked on 08/07/2011

Do insurance providers have to have personal information about others who live in your household but have their own separate insurance? I recently changed auto insurance providers. When I mentioned that my sister lives with me, they told me that they needed her drivers license number and name of her insurance company. My sister says that is an invasion of her personal information becasuse she has her own insurance. The company, (Travelers) recently wrote me and said that since I have not given them this, they are cancelling my policy. This sounds like discrimination to me. What if I were in college and lived in a dormatory, would they need everyones info that lived on my floor?

Answer given on August 07, 2011

Insurance companies have the right to know driver information for all members of the household. Your rates on your policy will not be affected by the other driver, unless she has a bad driving record. At that point, Travelers could ask that she be excluded as a driver on your policy in the event she were to borrow your car. There would then be no insurance on your car in that instance.The company can ask for her driver’s license number and the name of her insurance company. I’m surprised your sister’s insurance company did not ask for your driving information, unless she did not advise them that you lived with her. Insurance companies do not share this information with anyone else. It is only used for underwriting the risk they have for your auto.It is not considered a privacy issue, simply a gathering of information.

IMPORTANT NOTICE: These answers are for general information purposes only and are provided by the person answering and AS IS. It has not necessarily been reviewed by the management staff of nor is it binding any insurance agent, broker, or other insurance professional or any attorney or insurance company. Insurance laws, regulations and practices vary from state to state and insurance policies and practices differ from company to company, by type of policy, by state and locality and by type of insurance. Tiny variations in the facts, policy language or a detail not set forth in a question often can change the outcome or a professional's conclusion. Although has confirmed that the answer(s) was/were provided for the account of an experienced insurance professional, that professional may not be licensed in the state referred to in the question, and may not be experienced or up to date in the subject area. Unlike the answers provided here, upon which you should NOT rely, for personal advice you can rely upon we suggest you consult a licensed insurance professional in your area or retain a licensed attorney listed on to represent you.

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