We do not sell or disclose any public or non-public personal information about our current or former individual policyholders or claimants to any affiliate or any non-affiliated third party other than those permitted by law and only for the purpose of transacting the business of your insurance coverage or your claim.
At American Insurance Agency we recognize that a key element of our relationship is the trust which you place with us to respect the privacy and confidentiality of your personal financial and health information. We are committed to providing you with the highest quality insurance products backed by superior service. The detailed information we collect helps us place your insurance with companies that will maximize your available premium discounts while insuring any coverage needs unique to you. While personal information about you is fundamental to our ability to do this, your privacy is also very important to us. American Insurance is therefore committed to keeping that information secure and confidential.
This notice (which state and federal law now require us to sent to you annually) will tell you about the kinds of information that American Insurance or its agents may collect, what is done with such information after it is collected, and how you can find out about the information, if any, we have about you in our records.
American Insurance obtains most of our information directly from you. The application you complete, as well as any additional information you provide, generally gives us most of the information we need to know. We may also collect personal information about you from any of your other transactions with us, our service providers, or others. Sometimes we may contact you by phone or mail to obtain additional information.?Depending on the nature of your insurance transaction, we may need additional information about you or other individuals proposed for coverage. For auto insurance, we may need information from motor vehicle records. For property coverages, we may send someone to inspect your property and verify information about its value and condition. A photo of the property to be insured might be taken. We may review insurance claims information and other loss information reports, and we may also obtain medical or financial information to adjust some claims.
We may obtain additional information we need from third parties, such as other insurance companies, government agencies, information clearinghouses, courts, and other public records. We may obtain consumer credit information from a consumer reporting agency and/or an investigative consumer report. If we order an investigative consumer credit report, we will notify you as required by state laws and the federal Fair Credit Reporting Act (FCRA). Under the FCRA, you have the right to ask to be personally interviewed if we order an investigative consumer report. Upon written request, we will give you or tell you how to get a copy of the report. The agency that prepares a consumer report for us may retain that report and disclose it to other persons as permitted by law.
Personal information that has been collected about you may be retained both in our records and in your insurance company records that we submit applications to acquire coverage on your behalf. We review it in evaluating your request for insurance coverage and in determining your rates. We will also refer to and use such information in our policy records for purposes to servicing insurance policies and settling claims. We do retain information about our former customers in our files as required by Insurance Departments, and for use in handling claims submitted to us after policy termination, and we may use such information about you which is in our files for insurance marketing purposes or to help you with your overall insurance program.
If coverage is declined or the charges for coverage is increased because of information contained in a consumer report we obtained, the insuring company will tell you as required by state law and the FCRA. They also will give you the name and address of the consumer reporting agency making the report.
American Insurance maintains appropriate security procedures, and uses a variety of physical, electronic and procedural safeguards, to protect the confidentiality and security of your personal information in our possession and to prevent unauthorized access to your information in whatever medium it is stored. We also limit employee access to personally identifiable information to those with a business reason for knowing such information.
American Insurance also believes in educating its employees so that they will understand the importance of the confidentiality of personal information, and in taking appropriate measures to enforce employee privacy responsibilities.
We do not disclose any personal information about our customers or former customers, except as permitted by law. That means we may, if necessary, make disclosures to, or share information about you with, the following types of third parties without your consent:
You have the right to know what kind of information we keep in our files about you, to have reasonable access to it and to receive a copy. Contact us by any of the means provided at the end of this notice if you have questions about what personal information we may have on file. Tell us what information you would like to receive. Certain types of information generally collected when evaluating claims or possible lawsuits need not be disclosed to you. Within 30 business days of receipt of your request, we will inform you in writing of the nature and substance of locatable, retrievable, and available recorded personal information about you in our files. You may review this information in person or receive a copy at a reasonable charge. After you have reviewed the personal information about you in our files, you can contact us if you believe it should be corrected, amended, or deleted. Tell us what you think is wrong and why. We will notify persons designated by you to whom we have previously disclosed the information of the change or your statement. Subsequent disclosures we make also will include your statement. If you have any questions or comments, please contact us at:
American Insurance Agency
PO Box 559, 55 Southway Ave.
Lewiston, ID 83501
Phone: (208) 746-9646 or (800) 735-6355
Fax: (208) 746-9640
Email: American [at] AmericanInsuranceID [dot] com