Can car insurance companies check my phone records?

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In a nutshell...
  • Car insurance companies can request copies of your phone records
  • You are not obligated to provide copies of your phone records unless a lawsuit has been filed
  • When your insurance company requests your phone records, you can refuse, comply or ask for amended dates or more information
  • If you believe your insurance company is operating in bad faith, you can find a new insurance carrier and policy with help from a comparison tool

Car insurance companies usually do not request phone records unless they suspect insurance fraud or a lawsuit has been filed against you and your insurance company.

If you have recently filed a claim and your car insurance company is requesting your phone records, you must decide whether or not to provide that information and if the insurance company is being reasonable by requesting it.

If you determine that your current insurance company is not being reasonable or operating in bad faith, you can quickly find an auto insurance company with better customer service and business practices by using a car insurance comparison tool.

Just enter your zip code above and start comparing car insurance quotes for FREE!

Car Insurance Companies and Phone Records

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It’s important to understand that your car insurance company cannot randomly go through your phone records of their own accord.

They also cannot contact your phone service provider and request your records without a warrant, which would require a lawyer and legal justification.

If your car insurance company wants your phone records for review in conjunction with a car insurance claim, they will likely contact you in writing and ask that you provide all your phone records from X date to X date.

It is up to you to decide if you are going to provide the information.

In general, you do not have to provide the information unless it is for a lawsuit.

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Your Insurance Company Suspects You of Wrong-Doing

When your insurance company starts requesting personal information, like phone records, you can be reasonably assured that they suspect you had something to do with the incident that caused you to file the car insurance claim.

However, your insurance company must always operate under good faith, which states the insurance company must act in a way that is reasonable, and they must have a reason for denying or delaying your claim.

If you suspect your insurance company is acting in bad faith instead of good faith, you may be able to sue your insurance company, and you can report them to your state’s insurance department or commissioner.

You may also want to find a new insurance company. Thankfully, you can find a new policy and insurance company with help from a comparison tool.

Your Options When Your Insurance Company Requests Your Phone Records

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When your insurance company requests copies of your phone records, you have several options. However, it is important to understand why your insurance company is requesting your phone records.

  • Refuse – You can refuse to provide the requested information. However, refusing will probably result in the delay or denial of your claim. If you have nothing to hide, you may want to provide the records so that you can repair or replace your car in a timely manner.
  • Provide the Requested Records – In order to make your claim go smoothly, you may simply want to provide the requested records. It’s also important to understand that if the request is made after a lawsuit has been filed, you must provide the records.
  • Ask for Amended Dates – If you feel the date range is too broad, you can request that your insurance company shorten the range.

If you believe that your insurance company is operating in bad faith or requesting information that is not pertinent to your claim, you can report the insurance company to your state’s insurance commissioners or department.

You can also find a new car insurance policy with a different carrier via an auto insurance comparison tool. Find the best rate for the insurance you need by entering your zip code below.

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