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Do car insurance companies have authority to require social security numbers for policyholders?

In applying for car insurance, I note that several companies want social security numbers from applican'ts. Is this a legal requirement for obtaining car insurance? or is it the policy of the insurer? or is it optional?

Public Comments

Just leave it blank.....All the illegals got Ins. right, no S.S.# !
I've never had to give my social security number when getting insurance.I wouldn't do it if I were you.Sounds fishy to me.
It is compeletely legal, and required. The company needs your SS number for: Credit checks Criminal checks Driving record checks Telephone verefication Account organization If you don't trust an insurance company with your personal information, you shouldn't be providing them with it!
sorry that is the De Facto tracking number in the U (Socialist) S of A. over the past decades. yes they can ask and require ur SS number.
They want the info to check your credit report and credit score. This will impact the premium you pay.
It is legal - many insurers will use your credit records as part of their premium calculation.
Yes they can - and they will! If they are willing to insure you - to cover the cost of ill fate - they want to know what your credit risk is. The worse your credit is, the more risk you are to them. In other words, the way they look at it is if you have bad credit, you are more likely to commit insurance fraud! They use this to base your premiums on. Think about it - everybody wants a SS# these days - heck, you can't even subscribe to cable TV without giving your SS#!
YES, they even run your credit score now & can refuse you if it is not up to there standard... That is just wrong... It is mandatory to have vehicle insurance, a credit score doesnt have anything to do with it. I guess they give you the higher rate if it is a low score thats unconstitutional & descriminating... If you want some more information, I would check out... http://www.knowledged.info/go.php?link=insurance Take care.