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Privacy Notice for Policies Issued in Montana
This notice, together with our Notice of Privacy Policies and Practices, describes the types of information QBE Farmers Union Insurance collects, our methods of investigation and the types of sources that we may use to provide insurance to all Named Insureds and to evaluate applicants. Every Named Insured and applicant for a policy issued or to be issued in Montana has additional protections that are explained in the sections below.
Collecting of Information
Much of the information we need from you comes from you when you apply for insurance. Sometimes, however, we may need additional information or may need to verify information you have given us. In those instances, we may contact you either by phone or by mail.
In addition, we often employ the common insurance industry practice of asking an outside source, called a "consumer reporting agency" or “insurance-support organization," to provide us with consumer reports. On occasion, that source may contact you or a neighbor, either by phone or in person, to provide us a report. The Named Insured listed on your policy has the right to request that we contact them or their spouse for a personal interview that will be included in the report. If this option is chosen, we will make every effort to comply with the request.
We may also obtain information from consumer reporting agencies and other sources for purposes other than underwriting, such as when processing claims, investigating potential fraud, or servicing your account. For example, we may obtain financial information relating to health and employment during the processing of a claim. Please note: Information obtained from a report prepared by a consumer reporting agency or insurance-support organization may be retained by that organization and disclosed to other persons who use these reports without your authorization.
As required by the Fair Credit Reporting Act, we are notifying you that we may investigate your character, general reputation, personal characteristics and mode of living, whichever are applicable. Additional information regarding the nature and scope of any such investigation requested will be furnished to you, upon your written request.
Types of Information We Collect
We use the information we collect to help us decide if you qualify for the insurance for which you have applied and to perform additional insurance functions.
In connection with the underwriting and/or servicing of policies covering your personal vehicles, we may obtain information including information relating to the use of your vehicle(s), ages, drivers, mileage, items relating to the drivers such as personal habits and characteristics, credit information, prior accidents and driving violations, prior arrests or convictions, claims history, and previous insurance experiences.
What We Do With the Information We Collect About You
We use the information we collect about you to perform insurance functions, including underwriting and servicing your policy, processing claims, and for other purposes permitted by state and federal law. For example, we may disclose this information, as permitted by law, without your prior authorization, to:
- Agents, brokers or sales representatives;
- Adjusters, appraisers, investigators, and attorneys;
- Persons or organizations who need the information to perform a business, professional or insurance function for us, such as businesses that help us with data processing or marketing;
- Another insurance company or insurance-support organization, to detect or prevent criminal activity or fraud in connection with an insurance transaction, or to perform an insurance transaction;
- A medical professional or institution:
- to verify insurance coverage or benefits
- to inform you of a medical condition of which you may not be aware
- to conduct an audit
- to determine whether services were reasonable and necessary;
- An insurance regulatory authority;
- Law enforcement or other governmental authority;
- Persons or organizations conducting actuarial or research studies; however, no individuals will be identified in any report;
- Our affiliated companies as described in our Notice of Privacy Policies and Practices above;
- To respond to an administrative or judicial order, including a search warrant or a subpoena;
- A party to a proposed sale, transfer, merger, or consolidation of all or part of the company underwriting your policy.
Access and Correction of Information
Information we collect about you will be kept in our policy or claim records. We may refer to this information if you file a claim under any policy that you have with us or if you apply for a new policy. You have the right to know what kind of information we keep about you, to have access to the information, and to get a copy. These rights do not apply to privileged information. Privileged information is generally obtained in connection with or when the possibility of a claim or civil or criminal proceeding exists.
If you file an insurance claim with us involving bodily injury, we may obtain information about your physical or mental condition, medical history, or medical claims history. If your written request asks for this claim information, we will identify who during the previous two years has received or examined the information, and when, to the extent practicable, the information was disclosed.
If you want information from your records, please write to us at the address below. We will need your complete name, address, date of birth, and all policy numbers under which you are insured. Tell us what information you would like to receive or view. Within 30 days of receiving your request, we will contact you and inform you of the nature of recorded information about you in our files. There may be a nominal charge for copies of your records. At that time we will also tell you the identity of the persons or organizations to whom we have disclosed this information in the preceding two years. We will also give you the name and address of any consumer reporting agency who prepared a report about you in our files so that you can contact them to get a copy of that report. If you would prefer to view and copy, in person, the information in your file, please indicate that in your request.
If you think your records contain incorrect information, notify us in writing indicating what you believe is incorrect and your reasons. We will investigate the matter and respond to your request within 30 days of receiving it by either correcting our records or informing you of our refusal to change such information.
If we make any changes to your information as a result of your request, we will notify you of those changes. We will also notify the parties listed below of those changes.
- Any party that may have, in the past two years, been given such information.
- Any insurance-support organization that we have given the information to within the past seven years.
- Any insurance-support organization that furnished the information that has been corrected, amended or deleted.
If we do not make the requested changes to your information, we will give you the reasons for the refusal and inform you of your right to file a statement. Your statement should tell us what you think is the correct information. You should also tell us why you disagree with our refusal. Your statement will be kept in your file and given to anyone that reviews the information. If we need to disclose the disputed information, we will mark the matter(s) in dispute and include your statement(s). We will furnish a copy of your statement to persons or organizations to whom we previously disclosed the information as well as anyone that you designate who may have received information from us in the past two years.
Under the Montana Insurance Information and Privacy Protection Act, you are entitled to receive an accounting of later disclosures we make of your "medical record information,” which is defined as personal information that relates to your physical or mental condition, medical history or medical treatment; and that is obtained from you, your spouse, your parent or legal guardian, or from a member of the medical profession or medical care institution. In order to receive an accounting of these disclosures, you must send a written notice requesting an accounting to us at the following address:
QBE Regional Companies (N.A.), Inc.
Attn: Corporate Legal
One General Drive
Sun Prairie, WI 53596
If you have any questions regarding our information practices, please write to us at the address listed above. Please include your policy number(s) in all your correspondence.
This notice is being provided on behalf of the following QBE Farmers Union Insurance affiliates:
National Farmers Union Property and Casualty Company
United Security Insurance Company