Your privacy is our concern
What we mean when we talk about "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.
What kind of information we have and where we get it.
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.
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 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
-
Kingsway amigo insurance company
3155 nw 77 avenue, Miami, fl 33122.
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.