Am I required to give my insurance company a copy of my text message log after a claim is filed?

What could my text message have to do with my insurance claim? My insurance company is asking for a copy of my text message and I feel like that is an invasion of privacy. I was in an accident a few weeks ago where the policy said I ran a red light, but I know that it was green.

Answer provided by
avatar
Shannon Martin
Answered on Jul 06, 2021
Shannon is an expert in personal lines liability insurance with 13 + years of insurance industry experience. She also served as a special insurance liaison to AARP members for 6 of those years. She is a graduate of UL Lafayette and currently resides in NY with her family. Shannon is also an amateur juggler, ukulele player, and is a time travel paradox theory enthusiast.
“Having a company ask for your phone records can feel a little invasive. Depending on the accident, it may be for your own benefit.
If an insurance carrier wants your phone records, it is because they are trying to determine if you were distracted while you were driving.
If there isn’t a text message that was sent immediately before the accident, they know that you weren’t texting and driving.
Unless it is stated in your insurance contract, you are not legally obligated to provide your carrier with this information.
Keep in mind that saying no can hold up the claims process. If you are waiting on a medical payment or collision coverage payout, your insurance carrier may need to further investigate what happened before they will render payment.
If your case goes to court, the judge can subpoena your text messages, and then you would need to comply.”
thumb-up

Did this answer help you?

Ask us a question by email and we will respond within a few days.
thumb-up

Have a different question?

You can meet us at our office and discuss the details of your question.

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies