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My Allstate agent says that if I don’t give them my sons address or phone number, they will put him on my policy and I would have to pay for auto insurance on him. He is 29 years old and has been on his own for a long time. Has his own insurance. They say they have ‘information that Timothy resides in our household, is of driving age, and is not covered under our policy’ He does still get some mail at our address. I called my agent and she said the only way to not have them put him on my policy is to give them his phone number or address. I do not feel I should have to give out his information to anyone.
Asked on October 17, 2018 under Insurance Law, Indiana
Answers:
SJZ, Member, New York Bar / FreeAdvice Contributing Attorney
Answered 6 years ago | Contributor
You do have to give it out to them: if not, then based on him getting mail at your home (and whatever other information they have), the insurer may assume he is an occupant and driver in your home and put him on your policy. You can refuse to provide this, but then you will pay for him on your policy--that is your choice. If he's not in your home, it is easy and reasonable to prove that he is not: therefore, any court would support the insurer in this. Insurers have a right to know who the potential drivers are, and there is nothing unreasonable about asking for an address (which is NOT confidential or protected information) to verify that he lives elsewhere. So you need to decide whether withholding the information is worth having him on your policy, or if you'd rather provide the information and keep him off your policy; that is your choice.
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