I need to run the driving record of all in the household
By SomeCowgirl
@SomeCowgirl (32191)
United States
February 14, 2013 11:05am CST
I have a lot of discussions to get back to but I wanted to pose this question to all of you.
I am naive in that I am just now at the age of 25 realizing I have got to get my license there is just no ifs ands butts and fears about it.
Well I'm calling companies. I've called two thus far, and I called another today so that makes three.
The third one I called I will not give the name for, nor really the previous two. When I called the previous two they did not ask me about family and whom I live with, nor did they ask me if others would be driving my vehicle. I have given them the same information as I had the other two, and yet this one says they have to run a driving record.
The other companies didn't mention that. I told this company that I would be the only one driving it, as the others had understood or assumed.
It makes me think two things.
Either 1) the other companies had been looking it up, but had not said anything to me about it.
or 2) this company wants to be difficult and not believe me when I say I am the only dang one to be using the car, I'm the one paying for the insurance, why the hell would they need to know my families driving history! 
I am sure I am misunderstanding things, perhaps I am letting myself get a bit worked up over it. I understand it, and yet I don't. I told the woman I appreciate her time, but that my family will not approve of me doing that and I bid her a good day and hung up.
So who is at fault, this one company or the other two I had called and got a quote for but whom didnt' ask about the family driving records?
Should I expect to be asked this if I call back and go with one company over the other?
I have two more I need to call but I think they'll be more epxensive then the one I called...
I am sure I am misunderstanding things, perhaps I am letting myself get a bit worked up over it. I understand it, and yet I don't. I told the woman I appreciate her time, but that my family will not approve of me doing that and I bid her a good day and hung up.
So who is at fault, this one company or the other two I had called and got a quote for but whom didnt' ask about the family driving records?
Should I expect to be asked this if I call back and go with one company over the other?
I have two more I need to call but I think they'll be more epxensive then the one I called...1 person likes this
9 responses
@WildHorses (718)
• United States
14 Feb 13
It's a requirement for some of the larger insurance companies. I remember going through that process when I had AAA for my insurance. I asked them what was the purpose even though they would not be listed. The answer seemed crap but it made sense. They want to make sure they know everyone who is in the household even though they are not going to be on the declarations. It simply states "the following people live with me but are not going to drive the vehicle." The next one you call ask them, "Do I need to declare all persons in the household even though they are not going to be listed on the insurance?"
1 person likes this
@SomeCowgirl (32191)
• United States
14 Feb 13
I do remember filling out quotes before and having that as what I had to put down, but I don't know it just bothers me. For me, atleast quote wise, I'd rather not put it down. It shouldn't make a difference quote wise either way, even if it does have to be listed on the actual policy.
I will call nationwide and then if they are higher then all state I will just go with all state.
There is progressive, farm bureau, the general, Liberty Mutual.. many others but they are more well know. All State is too but I've heard many more good reviews from them.
@WildHorses (718)
• United States
15 Feb 13
I've only had Farmer's and AAA as the big companies. I used to have another in between but it was a smaller company. If all you wanted is the quote, you don't need to provide the additional information of who lives in the household.
I believe I still have my papers from AAA. It shows the names of the people living in the household on the policy but it clearly states they are not going to be driving the car. It's just how it works.
Now, if you purposely say you live alone they might let it go. LOL
@kprofgames (3091)
• United States
14 Feb 13
It is common practice for an insurance company to note other potential drivers for your vehicle. My son, once he turned 14 he was automatically added to my insurance as a driver for my car. My rates did go up and then they lowered again when he turned 19.
Any person will be covered under your auto policy if they drive your car with permission (friend, sister, neighbor, etc) but if they live in your household and are of age to carry a drivers license or learning permit the insurance company will list them under your household as a driver.
The first two companies missed then when calling. It is a standard question here when looking for auto insurance.
1 person likes this
@SomeCowgirl (32191)
• United States
14 Feb 13
Yes but you paid for his insurance, or he paid you for it when he came of age to get a job. I am to be the sole driver of the vehicle, and no one else will drive it.
I told the company with no uncertain circumstances, that I would be the only one. Regardless of whether it was innocent enough their approach was very wrong.
@kprofgames (3091)
• United States
15 Feb 13
I am the sole driver of the car. It was just their policy that if he is of 'driving age' that he needs to be added. He didn't even go get a learners permit until he was 15. Now looking back it is kind of a bogus policy, especially when he never drove till he got a car of his own.
@GardenGerty (160663)
• United States
14 Feb 13
I have had the same company for over thirty years. They ask who will be driving the car, and I tell them. Period. No background checks or anything. They check me and Bob, cause we are the only ones on it. My son might drive it in an emergency, if his car broke down, but he has the same car insurance company and if he drives ours he is still insured on his. I use State Farm and I have always been happy with it.
@SomeCowgirl (32191)
• United States
14 Feb 13
State Farm is whom I called.
None other had asked that. I mean for a quote it shouldn't be needed. I don't know, I realize I probably got a bit upset over it, more then I should have.
I just don't see the point in asking if it's just for a quote.
@dawnald (85146)
• Shingle Springs, California
15 Feb 13
Calling companies for what? Insurance? I guess so, but you didn't say insurance until way into the post. lol Tony's insurance was the same way. Some of them do restrict it to one driver only. Allowing more drivers increases the risk, I guess.
1 person likes this
@SomeCowgirl (32191)
• United States
22 Feb 13
I guess so, which means more money they have to pay, and much much much more money they charge us so that they can feed their pockets more.
Yeah, car insurance.
@extremefun4fun (2908)
• India
15 Feb 13
I do not agree with that kind of questions from companies and I do not think they have right to ask about another member of family if that is the matter only with me. that is something like interferrance to another person life.
@SomeCowgirl (32191)
• United States
22 Feb 13
That is how I felt about it. Whether it be legal / legitimate or not.
@blackrusty (3519)
• Mexico
14 Feb 13
I dont know why this company would ask about any other persons driving record to a car that you own and if you have to tell them your the only person to drive the car
@SomeCowgirl (32191)
• United States
14 Feb 13
Yeah it definitely makes me think that they just didn't trust me or something. Either way they are marked off my list and if I can help it they will stay way.
@blackrusty (3519)
• Mexico
14 Feb 13
well good luck with your job hunt and happy hearts day to you and the family
@sid556 (30960)
• United States
15 Feb 13
I have worked in Auto Insurance in the past and it is a very common question to ask if other members of your household will be driving your vehicle. To ask for the driving records of other household members after you have stated that you would be the only one driving sounds a bit odd to me. I would ask them just why they need to know that. it just seems like an odd thing for them to be requesting of you. If you get full coverage then anyone that occasionally borrows your vehicle is automatically covered and that includes a household member. I would be curious to know their reasoning behind this.
@wilsongoddard (7291)
• United States
15 Feb 13
It isn't that unusual. Companies like to know about any potential driver in the household. Add in the fact that you've only a learner's permit, and the company has a legitimate reason for wanting to look at such information.
You've already said that your grandmother has ideas about driving the car. If the worst case were to arise and she actually retested and managed to pass the test, what would happen if she took your car and went out and wrapped it around a tree? Or ran into another car, because she's too busy looking around to see if she knows anyone else on the road?
While you say that you would be the only one driving the car, insurance companies know that people often say that even when it isn't the case. If you live with other drivers or potential drivers, there is always the chance that someone will borrow your car.
@FrugalMommy (1438)
• United States
14 Feb 13
Are these insurance companies that you're calling? I'm assuming that they are because you're looking for quotes... and if that's the case, they might need information about other household members because you don't have your license yet. I get quotes every so often to see if I can save and they always ask for my license number because they base their rates partly on driving history.
It could even be that they are assuming you're going to have to put in time behind the wheel with another licensed driver in the car once you get your permit, and that that person will be driving the car occasionally while you're learning. The other companies might have been able to give you a general quote without that information but the computer system the third company uses might require that information for quotes.
@SomeCowgirl (32191)
• United States
14 Feb 13
All good theories.
I told them I had a permit, that I'd be going through a professional driving school, and I gave them my permit number...
