PROTECTING YOUR RIGHT TO PRIVACY: You have a right to privacy, and we are concerned about protecting this right. For that reason, we are providing you with this Insurance Information Practices Notice in accordance with the law. Although we encourage you to read this entire notice, here is a summary of the information contained in this notice as respects our obligations and your privacy rights:
- We must inform you of our information-gathering practices.
- You may have access to recorded personal information that we may have.
- You have a right to correct, amend or delete recorded personal information.
- You have a right to know the reason for an adverse underwriting decision.
- We have limited rights to disclose personal information about you.
WHAT KIND OF INFORMATION IS COLLECTED ABOUT YOU: In order to evaluate people or property for insurance properly, we need to collect certain information. As our customer, we believe you should know about our information practices.
You are the primary source of our information. The application which you complete with our agency generally tells us what we need to know. In the event that additional information is needed to complete your application, we will attempt to obtain this by contacting you through one of our agents, licensed or unlicensed associates.
For automobile insurance, we order motor vehicle records which contain information about accidents and violations. We may also order a consumer information report (also known as a credit report) from an independent insurance support organization or consumer reporting agency (such as Experian, Trans Union or Equifax). The information contained in these reports would relate to your driving record, use of the automobile and other similar details.
On insurance for homes, boats, recreational vehicles and other personal property, we may order a similar consumer information report to determine the condition of the property and the accuracy of the information you furnished on your application. These reports frequently include a photograph of the property to be insured.
We may review your credit report or obtain or use a credit-based insurance company score based on the information contained in the credit report. We may use a third party in connection with the development of your credit-based insurance score.
HOW TO OBTAIN YOUR CREDIT REPORTS AND. IF NECESSARY. CORRECT THEM: Equifax, Experian and Trans Union maintain their own credit information files. You can request copies of your credit reports from any or all of those bureaus by contacting them directly at:
Trans Union: 800-888-4213
We recommend that you review the information in your credit reports closely and, if you find any errors on a bureau’s report, contact the bureau to have the information corrected