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Question

Is it discrimination not to allow someone to get car insurance w/out an address?

That is straight up discrimination by not allowing a homeless person get car insurance because of no address. What can be done about that? What is the deal with a person being homeless not being able to get car insurance just because they do not have an address? That is straight up discrimination. Should a lawsuit be filed? Just because a person does not have an address should not stop them from driving. Being homeless is not a crime.

Agent Answer

Ava Lynch

It’s not discrimination, it’s how car insurance is priced. You have to have a physical address to of where the car is kept the majority of the time since the location is a big rating factor. A rating factor is the risk factor or likelihood the insurance company will have to pay out on a claim. This includes the number of accidents in the area, crime, even the average cost of the vehicles in your area. Also, most insurance companies do not want to insure the risk of a person living in their car because there is a higher likelihood that they may have to pay a claim since it is being used as a home. I do understand the frustration, however, insurance companies base their business on risk. Good luck and if you have any other questions, don’t hesitate to ask.

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