Can my insurance carrier listen to my cell phone calls?

Why is my insurance wanting to see my call log? I was in a car accident a few weeks ago and now my insurance provider is asking for a copy of my phone log. I wasn't on the phone while I was driving, and even if I was, I always use my bluetooth.

Answer provided by
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.
“Depending on the type of accident you were involved in, your carrier may want to see if you were distracted while driving. Accidents where the driver ran a stop sign or red light can be a red flag to insurance companies.
While you aren’t required to hand over your phone log, refusal may slow down any collision coverage payment that you are waiting for.
If privacy is your main concern, don’t worry. The insurance carrier can not actually listen to your phone calls. They are interested in the date and time stamp of the call itself.”

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