Written by Q: Can a car insurance company ask you for information on people that live with you?
AIS Answer: Absolutely. Not only CAN they ask you about the other people in your household, but they will.
When an insurance company asks about any other people over a certain age or licensed drivers in your household it’s for very obvious reasons. The main reason being they want to make sure that any person of age to drive has their own insurance, which shifts the blame to the other persons insurance company in the case of an at-fault accident.
If you fail to disclose a person living with you that has access to your vehicle and gets into an accident, your insurance company likely will deny the claim. It’s understandable that you may not even let your friend or relative drive the vehicle, but an insurance company that makes their money on assessing risk, knows that people let other people drive their vehicles and this is a big way to hedge that risk.
I was living in Arizona with a few roomates and had to give the insurance company a lot of information and show that they had their own car insurance.