In order to effectively serve you, we may collect personal information about you when you obtain an insurance quote, apply for insurance or one of our other products, make a claim on your policy, obtain premium financing or engage in other business transactions with us. The types of personal information we collect depend upon the nature of your transaction with us, and may include: your name, address, email address, telephone number, date of birth, marital status, names and dates of birth of other household members, drivers license numbers, social security numbers, accident & violation history, vehicle information, lien/lease holder information, banking and credit information, medical & health information and information about other insurance policies you may hold or have held. We collect this information from a variety of sources, including our conversations with you, your insurance application and other forms, your insurance agent or broker, consumer reporting agencies, and governmental agencies. When you choose to do business with Affirmative, you implicitly consent to our collection and use of personal information as set forth herein.USE OF YOUR PERSONAL INFORMATION
As a general matter, we use your personal information to quote, underwrite, administer and service the insurance policies and other products you purchase from us. For example, we collect personal information about you, your vehicle and driving history in order to underwrite and price your insurance policy, or to originate premium financing for your policy. We may also collect personal information, including medical & health information, your Social Security number, and prior claims history, in order to process claims made on your policy. Additionally, we may use your personal information to develop, provide or offer additional products and services, or to provide, maintain and improve our customer service.DISCLOSURE OF YOUR PERSONAL INFORMATION
In the course of our business transactions with you, it may be necessary to provide your information to certain affiliated or non-affiliated third parties, as permitted by law. For example, we exchange information with your independent insurance agent or broker in order to process your insurance application and underwrite your policy. Likewise, we may share information with third-party adjusters and others, such as repair shops or medical providers, in order to process a claim made under your policy. Additional parties with whom we may share information include:
We also may disclose the personal information we obtain about you to companies that perform marketing services on our behalf or to other financial institutions with whom we have joint marketing agreements. We do not share your personal information with non-affiliated third parties except as provided herein or as otherwise permitted by law.SAFEGUARDING YOUR PERSONAL INFORMATION
|Affirmative Insurance Holdings, Inc.
Affirmative Insurance Company of Michigan
Affirmative Insurance Services, Inc.
Affirmative Services, Inc.
USAgencies Casualty Insurance Company, Inc.
USAgencies Management Services, Inc.
|Affirmative Insurance Company
Affirmative Insurance Group, Inc.
Affirmative Management Services, Inc.
Affirmative Underwriting Services, Inc.
USAgencies Direct Insurance Company