Expert: Charlie Barone - 11/20/2009

Question
I was in a minor auto accident where the other person was at fault, no injuries, minor damage. I do not have collision on my auto. Their insurance co says that in order for them to issue me a check, they need my social security number (drivers license number not accepted).

They say its to check to see if I owe back child support, I have no kids.

My ins co says its reported to the DOR, I assume to check for back taxes owed (have none) It's a cheap fix so I would rather not give out my SS#, especially to someone I don't know over the phone.

Is this the way its done in the state of Massachusetts?  

Answer
I'm unfamiliar with this practice, although a major insurance company is unlikely to do anything fraudulent with your SS#, as their legal exposure would be very large. However, I would mail them a certified letter demanding payment for the damage repair costs and inform them that you have no children for which you are responsible and refuse to share your personal information. Also tell them that you will take legal action against their policyholder personally in the absence of a settlement. Send a copy to the at-fault party by certified mail, too.