CATEGORIES OF PERSONAL INFORMATION COLLECTED
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 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 CIGH, 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. 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:
- Vendors performing business functions for us
- Other insurance companies if you are involved in an accident with their insured
- Insurance support organizations that detect and prevent fraud
- Outside consultants conducting actuarial or research studies
- Regulatory or law enforcement authorities
- Our reinsurers
- To comply with a subpoena or court order
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
In the unlikely event of an unauthorized disclosure of your personal information, we will make every effort to notify you in a timely manner and limit any further unauthorized disclosure. If you believe your personal information has been compromised, or if you have any other concerns about our security or privacy practices, please notify us at the address or email address provided below.
REVIEW AND CORRECTION OF PERSONAL INFORMATION
You may obtain a copy of the information we have collected about you for a reasonable administrative fee by submitting a written request. Likewise, in the event you find any error in your personal information, please notify us with a written description of the inaccuracy and we will make every effort to rectify the situation.
You may send us an email at email@example.com.