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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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.
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