As a valued customer, you are
very important to us. In order to insure you and your family, we need to have certain information about you, but
please be assured that:
we are committed to protecting your privacy.
We keep your information secure and confidential,
and safeguard it in many ways.
This notice explains the kinds of information
we keep, how we protect it, and who may see it.
WHAT
KIND OF INFORMATION WE HAVE AND WHERE WE GET IT:
You provide us with most of the information
we need as part of the insurance application process.
We may also request reports from various consumer
reporting agencies in connection with your application for insurance and/or any renewal of such insurance. The
kind of information we may gather depends upon the type of policy, but may include automobile motor vehicle reports,
claim reports, credit reports and inspections.
We may also receive and verify other information
from government agencies or independent reporting companies to help us correctly rate and properly underwrite your
insurance risk.
Once you’re insured with us,
your file may also contain information connected with any claims you’ve had.
The claim representative may comment, for
example, on the condition of your insured property or let us know if there have been any changes in the way it’s
used. We may also keep a police report if there was one in connection
with an accident.
We also may require some medical
information about an insured if, for example, we need to know whether a physical impairment will affect a person’s
ability to drive safely.
However, we do not share medical information
we collect about you internally or externally for any purpose except the following:
·
underwriting insurance;
·
administrating your policy,
account, or claim;
·
as required or permitted
by law; or
·
as otherwise authorized by
you
WHO
HAS ACCESS TO THIS INFORMATION:
Information collected about you which we keep,
will be contained in our policy and claim records.
We restrict access to your personal information
only to employees who need it to issue and service your insurance coverage and to settle claims.
Except as described below, we will not disclose
information about you without your authorization.
We may, without your prior permission
and only if permitted by law, provide information about you contained in our records and files to certain persons
or organizations such as:
·
your independent agent or
broker;
·
our affiliated insurance
companies or our reinsurers;
·
an independent claim adjuster
or investigator;
·
persons or organizations
that conduct scientific research, including actuarial or underwriting studies; or
·
an insurance support organization
or another insurer, to prevent or prosecute fraud or to properly underwrite the risk.
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; or
·
to protect our own legal
interests, or in case of suspected fraud or other illegal activities.
We may share the information we collect, as described above,
with companies that perform marketing services on our behalf and with whom we have joint marketing or servicing
agreements. We assure you, however, that we
will not sell your information to anyone. We
do not reveal information about our customers or former customers to anyone except as permitted by law.
This privacy statement describes our privacy practices
for both current and former customers.
We will provide one copy of this notice to
joint or contract holders.
Please share this information with everyone
covered by your policy or contract.
Upon your request, we will send additional
copies of this statement.
Waco, Texas