Do NOT give your Social Security Number to ANYONE (other than your own attorney) in your personal injury case!
Do I have to provide the insurance company with my social security number?
It is standard practice for insurance companies to ask personal injury victims for their social security number. The insurance adjusters do this very matter-of-factly, as if it is “standard protocol” that you MUST turn over this very private piece of information to them as “part of the process.” The truth is you DO NOT HAVE TO TURN OVER YOUR SOCIAL SECURITY NUMBER to the insurance company in your personal injury case and you should NOT do so!
The insurance adjuster will inevitably give you a hard time if you refuse to turn it over and continue to convince you that it is mandatory in order for them to proceed with your case or resolve your case. We have even had insurance companies initially refuse to give us the settlement check, after we’ve negotiated with them for months and settled the case with them, unless we release our client’s social security number. This is simply a bullying tactic and should not be given into by you or your . Once we advise the insurance company of the applicable law and that disclosure of the social security number is not required for the release of settlement funds, they reluctantly agree and send us the check. It is really sad that it requires such extreme measures from your personal injury lawyer just to get the settlement money.
Why do auto insurance companies want my social security number?
There are several reasons that insurance companies want your social security number on file, especially if you are opening up a bodily injury claim related to a personal injury accident. Regardless of whether or not the injury is from a pedestrian, bicycle, motorcycle or auto accident case, they want this data on file, so the entire insurance industry has access to the details of your injuries for years to come. With just your social security number, an insurance adjuster is able to obtain a plethora of personal information about your life and your past, without your authorization or consent. The information to which the insurance companies have access includes your medical, financial and criminal histories. This type of information can be very useful to an insurance adjuster or insurance company in the future should you be faced with another personal injury case and they will have access to this information before you or your injury attorney have submitted one piece of information to the carrier. The insurance industry is focused on minimizing the value of your claim(s), so this information about prior injuries and treatment can be very valuable to them on subsequent claims and they can contort it in whatever ways fit their objective. It is best to keep them from having free reign over this information. Do not give them your social security number!
What does an insurance adjuster do with my social security number if I release it to them?
Since criminal, medical and financial information can provide an insurance adjuster with insight into your personal history, it can be a useful tool that enables the adjuster to find information that will diminish the value of your bodily injury case. What is even more disturbing is you’re your social security number allows an insurance adjuster to access a nationwide database called the Bodily Injury index, which almost every insurance company in the United States has access to. This index contains a list of all bodily injury claims opened with insurance companies, and the specific details of those claims with the respective auto insurance companies, including information about the injuries, accident, and settlement amount. So, even if you had a really small personal injury case before, the insurance adjuster can know how much you settled it for and use that as a factor to set limits on what they will pay in your current case, even if you suffered serious injuries in the current accident.
Because your social security number is a short and unique identifying piece of information, it makes it easy for an insurance adjuster to use it to search the index and identify your past bodily injury claims and personal injury cases. Since the information contained in the Bodily Injury index includes very specific information on your prior claims, an insurance adjuster can do a “look up” in the database to see if you have ever had similar injuries to those you are claiming in your current personal injury case. Thus, providing your social security number to an insurance adjuster enables them to use your sensitive information to investigate previous claims and minimize any settlement that you might deserve in your current claim.
Even if you have had prior traffic accident injuries, it is best to allow your personal injury lawyer be the one who controls the information released to the insurance company (by only providing relevant information), rather than allow the company access to everything compiled in the Bodily Injury Index.
What can I tell an insurance company if they ask for my social security number?
In short, protect yourself from releasing this sensitive information by refusing to give your social security number to any auto insurance company that requests it. Even if they tell you this disclosure is “required” to resolve your claim, you must refuse. You are not required to provide them with your social security number, despite the many reasons they will give you trying to convince you otherwise. Rather, you or your personal injury attorney may provide them with other identifying information—such as your birth date—which allows them to obtain the information necessary in order to open and process your bodily injury claim. This will allow you to go forward with a bodily injury claim against an insurance company, while at the same time safeguard confidential and sensitive information, and ensure that such information is not used to minimize your current bodily injury claim. If you have an experienced personal injury lawyer, they should know the applicable law on this subject and help protect you from unnecessary disclosure of your private information.