Your privacy. . .
Your
privacy is important to us. When we sell an insurance policy to a person we
need information about the person or property that we’re insuring. We consider
this private and have taken steps to keep it confidential.
We
want you to know about our privacy policy. The privacy policy tells you the
kinds of information we get about you, where we get it, and with whom, if
anyone, we may share it.
This
brochure describes our privacy policy, procedures and practices for individuals
who seek or get auto, home and other personal liability and property insurance
for personal, family or household needs.
You
give us most of what we need in the application process. To make sure what we
have is correct we may need to check with you by phone or mail.
You may
be asked to give us more details in writing or over the phone. Plus, we may
receive and check your past insurance claims from insurance support
organizations or your former insurers.
As allowed by law, we may ask for credit
and other consumer reports from consumer reporting agencies concerning your
application for insurance or any renewal of insurance. Information given to us
by an insurance support organization, including consumer reporting agencies may
be retained by them and disclosed to other persons.
For auto insurance, we often get a report of accidents or
convictions from your State Motor Vehicle Department. We get these reports
through an independent reporting company. We may also check information from
government agencies or independent reporting companies. This helps us correctly
rate and price your policy.
For home, building, or boat insurance, we
or an inspector from an independent company may visit the property to inspect
and report on its condition. In some cases, pictures may be taken. This allows
us to check the estimate we have of your property’s value. If we need more details
about the property or the alarm you’ve installed, we may need to enter your
property to finish the inspection. We would contact you before entering your
property.
As a part of our application and
underwriting process, in most states, we also order an Insurance Score based on
credit history. We use the Score, information you give us, and other consumer
reports for underwriting and the price we will charge. If we receive corrected
personal information from a consumer reporting agency, we will re-evaluate you.
Once
you’re insured with us, your file may contain details about your policy(ies). This
may include bill payments or claim history. A claim representative may comment,
for example, on the condition and use of the insured property. We may also keep
a police report if one was issued.
Sometimes we need to know about
your health. For example, if we need to know whether a physical limitation will
affect your ability to drive, we would ask you to sign a form allowing your
personal doctor to answer any question we may have.
WHO HAS ACCESS TO THIS INFORMATION
We keep what we collect about you in our
files. Our policies and procedures protect your personal information. We have
physical, electronic and procedural safeguards in place.
We do not give or sell our customers’
personal information to others for marketing purposes. You don’t have to ask us
to keep your information private because we do not give it, unless allowed.
We will use information about you to sell you
insurance, service your insurance and settle claims. We may give the information
to other persons or companies to help us manage or service our business. When
we do, we require them to use it only for the reasons we gave it to them.
We may give, without your past permission
and only if allowed by law, information about you held in our files to certain
persons or organizations such as:
·
Your agent or
broker
·
Our affiliated
property and casualty insurance companies
·
An independent
claim adjuster or investigator
·
Persons or
organizations that conduct scientific research, including actuarial or
underwriting studies, provided that no individual may be identified in the
studies
·
An insurance
support organization, including consumer reporting agencies
·
Another insurer
in order to prevent or prosecute fraud
Also, on rare occasions,
we may be required to share this information:
·
With a State
Insurance Department or other governmental agency, if required by federal,
state or local laws
·
If ordered by a
summons, court order, search warrant or subpoena
·
To protect our
own legal interests, or in case of suspected fraud or other illegal activities.
HOW TO FIND OUT WHAT INFORMATION WE HAVE ABOUT YOU
If you have any
questions about what we have in your file please write to us. When we receive
your written request, we will respond within thirty (30) business days. We will
let you know if we’ve given any information about you to anyone in the past. If we asked for a consumer report we will tell
you the name and address of the consumer reporting agency.
You
may also see and copy your file (except for certain documents about claims and
lawsuits). If you believe any of our information is wrong we’ll check it out
and if we agree there was an error, we’ll correct it. If we don’t agree, you’re
still allowed to file a letter with your comments. We’ll send the correction or
letter to anyone who received or will receive the original information.
If you
have any questions about the right of access to or correction of your file,
we’ll be happy to review our procedures with you. Please contact:
your
agent or insurance representative
or
Kenneth
Quick, Privacy Coordinator
The
Premier Insurance Company of
315
WHEN YOU WRITE, PLEASE BE SURE TO TELL US YOUR:
·
Name
·
Address
·
Policy number
·
Phone number and
the best time of the day for us to call you
Please
include a copy (not the original) of personal ID, such as your driver’s license.
WE THANK YOU FOR LETTING US SERVE YOUR INSURANCE
NEEDS.
This notice is effective July
2006 and is given by Travelers of Massachusetts. Policies are underwritten by
The Premier Insurance Company of