Car insurance companies request potential customers' social security numbers because it is the easiest way to access vital information about the insured. Insurers use a driver's SSN to gather information such as their driving record, age, and marital status, each of which are important contributors to rates.
Can I refuse to give my social security number?
Anyone can refuse to disclose his or her number, but the requester can refuse its services if you do not give it. Businesses, banks, schools, private agencies, etc., are free to request someone's number and use it for any purpose that does not violate a federal or state law.
Not all car insurance companies ask you for your Social Security number (SSN) as part of the quoting or application process, but most will, especially if they are offering credit-based insurance rates.
Should I give an insurance adjuster my social security number?
You should never give an insurance adjuster your social security number — you are not required to provide it and generally, it is not necessary for an adjuster to have it.
Who can legally ask for your SSN?
Who has the right to request your SSN? Federal law mandates that state Departments of Motor Vehicles, tax authorities, welfare offices, and other governmental agencies request your SS number as proof that you are who you claim to be.
When should you not give your Social Security number?
Anyone who contacts you by phone, official looking mail, or text asking (or demanding) your Social Security number. Only give it out when you initiate the contact and only when it is necessary.
Why would an insurance adjuster ask for my social security number?
The reason the insurance company wants your social security number is to see if you have coverage under Medicaid or Medicare. If you do, the insurance company is entitled to be paid back by your Medicaid or Medicare for anything they (the insurance company) pays you for your medical expenses.
Do insurance companies need your social security number?
You are not required by law to give out your social security number. If you feel uncomfortable doing so, it's good to remember that in most cases, your insurance adjuster won't need it.
What should you not say to an insurance adjuster?
Never say that you are sorry or admit any kind of fault. Remember that a claims adjuster is looking for reasons to reduce the liability of an insurance company, and any admission of negligence can seriously compromise a claim.