My auto insurance company (during a policy renewal interview) asked me some probing personal questions today that have nothing to do with auto insurance.
One of the questions was "do you have any medical conditions", and the interviewer ran through a laundry list of medical conditions.
What do medical questions have to do with auto insurance? I asked the interviewer that same question. She told me that they needed to know these answers, just in case you "passed out while behind the wheel" -- of course they want to know those answers. They want to know if you have a medical condition, so that they can use your own answers to deny you any future claims in the event you have an accident.
The other question was "do you have any children under the age of fifteen"?
I asked the interviewer why they were asking that question. She told me
"we track children" I'm not making this up! Her complete quote was
"We track children under fifteen years of age for the purpose of rating"
When asked, she couldn't explain to me what she meant by
"rating"
She did explain that "they track children year by year, as they grow older."
The implications of this type of interviewing should be obvious. In addition to privacy issues, there is the issue of security. Do you want to tell a virtual stranger how many children you have, and how old they are? I intend to further investigate this and try to determine just what purpose the insurance company has for these type of questions. I'd also like to know if they are sharing the data with other companies, or with the government.