Question about car insurance

[AgentJean]

I'm in the process of shopping for new car insurance, a few places I called they would not even quote me until I gave them all the details of the 2 of my room mates plus myself?

What does the driving and credit history of my roommates have to do with MY risk assestment for driving my car. Why should I have to pay outragous rates because a idiot roommate is not able to keep his car under control or the other one doesn't know how to pay bills on time? My car is my car and NO ONE drives it but me. (If someone we to go for a joy ride, the car gets reported stolen.)

I don't even find it likely that they would give me the information either. I know if one of the room mates asked me for my SSN, Driver License number and all the other needed information for insurance I'd laugh at them. They aint getting that sensitive information. Not even if hell froze over.

I have noticed a some insurance companys just require the info for people they are going to insurace under the policy, but I'm not sure why others was details for people in the house even if they are not going to be insured

 

[Schadenfreude]

Because even if they are not insured on the policy, they may be referred to as "permissive user"; that is, if they do take you car for a joyride, the policy stays with the car, not the user. So that means even if you reported the vehicle as stolen, there may be a chance that the insurance company may have to settle with a 3rd party if your dumbass roommate got into an accident (in which they are responsible for). So there's a potential liability/risk they have to factor in.

Also, common sense would indicate, and admittedly it does not seem like it here, but in general, roommates are pretty close with one another and it's not out of the question for someone to borrow the car.

 

[IGBT]

Originally posted by: Schadenfreude
Because even if they are not insured on the policy, they may be referred to as "permissive user"; that is, if they do take you car for a joyride, the policy stays with the car, not the user. So that means even if you reported the vehicle as stolen, there may be a chance that the insurance company may have to settle with a 3rd party if your dumbass roommate got into an accident (in which they are responsible for). So there's a potential liability/risk they have to factor in.

Also, common sense would indicate, and admittedly it does not seem like it here, but in general, roommates are pretty close with one another and it's not out of the question for someone to borrow the car.

..all true. Insurance co.are experts at CYA.

 

[alkemyst]

Yeah anyone you live with has access to your keys and vehicle. This started when fraud started happening...ie someone takes your car wrecks it and you claim you were driving it at the time.

 

[Puffnstuff]

Yes even my insurance company puts everybody on the policy that can drive even though I am the primary owner/driver. It's how things work now so choose your roommates wisely.