Pennsylvania auto insurance just seems to be getting more and more complex. Like every other brand of insurance, it seems increasingly necessary to answer more and more questions about yourself and your lifestyle just to get any policy at all in your name. Apparently, your Pennsylvania car insurance rates are based on the answers to these questions.


In the barrage of questions that you may receive you may have noticed inquiries about the people with whom you live. Some people find this to be just one more st of questions and gladly answer them. Others are upset and suggest that these questions are another intrusion on their privacy.


At first glance, it may seem like it is none of your insurance company’s business who lives with you. However, you have to remember that they are not the government. The government has to follow a litany of privacy laws when thy engage you in questioning. Insurance companies are private entities with a vested interest in keeping your car safe that they do not have to pay out benefits.


The truth is that they can ask you anything they want. Since auto insurance companies are risking their own money by insuring your vehicle, they have the right to ask all sorts of questions. The recent increases in the number and variety of questions simply reflect their desire to engage in less and less risk when they determine Pennsylvania car insurance rates.


Just because they have the right to ask you questions does not mean that you have to answer them. This is why this seemingly intrusive behavior is permissible and legal. Anyone can ask anyone else any question legally. You are free to tell your auto insurance company that you do not want to answer that question.


Since these companies are private entities and not government bodies, however, they are completely within their rights if they decide to cancel your policy or refuse you a policy from the outset because you did not answer this question. It might help you to consider the question or questions from their perspective. Insurance companies know that accidents are more likely when insured drivers live in a house with drivers who have bad records. Even if you insist that no one else in the house will be driving and that you only want insurance for yourself, there is always the chance that you might let someone else drive your car.


They may also want to ask questions about other people in your home in order to get an idea of your character. Perhaps your record is clean but you live with people who have a less than honorable record and background. Again, this may seem rude and even illegal, but it is not against the law for someone else to ask you about your living arrangements. They are certainly not required to do business with you if they feel that they cannot trust you completely.


There are two ways to deal with this approach. You can simply agree to provide information because you want and need the insurance. However, you should know that your answers may affect your PA car insurance prices. You can also refuse to answer the question and await their decision. Most companies are going to be suspicious of someone who refuses to answer these questions and they may deny your insurance or cancel a policy if you already have one.


Your rights to privacy are important. Insurance companies, though, think that their bottom line is more important. If your company approaches you with these questions, be ready to either answer or accept the consequences of failing to answer