Safeco Consumer Privacy Statement - Virginia

NOTICE OF INFORMATION PRACTICES

Safeco appreciates the trust you place in us when you purchase insurance from one of our companies.We are committed to protecting your nonpublic personal information (“personal information” or “information”) and we value you as a customer.To learn more about how we collect and use information about you, please read the following notice.

OUR SOURCES OF INFORMATION ABOUT YOU
Most of the information we obtain comes directly from you and your independent insurance producer. Your application gives us information we need to review your request, such as your name, address and Social Security Number.

We may also ask for information from other outside sources, including:

  • Your transactions with our affiliates or other insurance companies (such as your payment history or claims history); and/or,
  • The information we receive from a consumer reporting agency or insurance support organization (such as your credit history, driving record, claims history or verification of the value and condition of your property).
    Insurance support organizations from which we obtain information may keep such information and disclose it to others as permitted by law.
    If we obtain medical information about you, it is generally received in connection with the administration or management of your insurance policy or claim or for the detection and prevention of fraud. We will not share your medical information with our affiliates or non-affiliates for marketing purposes.
    It is our policy to treat information we receive about you in the same confidential way we treat information that you have provided to us on your application. The same confidentiality applies to information about our former customers.

OUR USE OF INFORMATION ABOUT YOU
We only disclose personal information about you as permitted by law. Generally, this includes sharing it with third parties to administer your transactions with us, service your insurance policy or claim, detect and prevent fraud, or with your authorization. When we do, we require these parties to use your personal data only for the reasons we gave it to them. These third parties may include:

  • Insurance support organizations, consumer reporting agencies or other insurance companies (including for the detection and prevention of fraud);
  • Independent insurance producers authorized to sell Safeco insurance products;
  • Independent contractors (such as automobile repair facilities, towing companies, property inspectors and independent claims representatives);
  • Auditors, attorneys, courts and government agencies;
  • Other companies which may reinsure your policy or with which you have other coverage;
  • Group policyholders in connection with reporting claims data or an audit; and/or,
  • Other companies and insurance support organizations for actuarial or research studies.
    We may also disclose your personal information in response to judicial orders such as subpoenas.
    We may also share information about our transactions (such as payment history) and experiences (such as claims made) with you within the Liberty Mutual Group of Companies.
    We do not sell your personal information to others and we do not provide your information to third parties who are doing business on our behalf for their own marketing purposes.

PROTECTING YOUR INFORMATION FROM UNAUTHORIZED ACCESS
We maintain physical, electronic and administrative safeguards to protect your information from unauthorized access. Our employees are authorized to access customer information only for legitimate business purposes.

INDEPENDENT SAFECO INSURANCE AGENTS                                                        
The independent insurance producers authorized to sell Safeco products are not Safeco employees and are not subject to Safeco’ s privacy policy. Because they have a unique business relationship with you, they may have additional personal information about you that Safeco does not have. They may use this information differently than Safeco. Contact your Safeco producer to learn more about their privacy practices.

HOW YOU CAN REVIEW YOUR INFORMATION
You can request to see and obtain copies of the information about you in our files or request that a copy be sent to you to review it for accuracy. You must make your request in writing. Within 30 business days (or as required by law) of receiving your request, we will send you the information. We will advise you of any person or group to whom we have given the information during the last two years. We will also give you the name and address of any reporting organization from which we received information about you.

There are certain types of information, such as information collected when we evaluate a claim or when the possibility of a lawsuit exists, that we are not required to provide you. We obtain medical information about you only in connection with claims and lawsuits. If the law allows you to review such information in our files, we will include it with the other information we send to you.

IF YOU DISAGREE WITH OUR RECORDS
If you believe information in our files is wrong, you can notify us in writing. We will review your file within 30 business days of receiving your notice. If we agree with you, we will correct, amend or delete the portion of the recorded personal information in dispute and notify you about the change. This change will become part of the file. It will be included in any future disclosures to others and will be sent to:

  • Anyone you designate who may have received the information during the previous two years.
  • Any person or organization who may have received the information from us during the previous seven years.
  • Insurance support organizations that provided the information that was amended or changed pursuant to your request.
    If we disagree with you, we will explain why. You can provide us with a concise written statement setting forth what you think is the correct, relevant or fair information and explaining why you disagree with the refusal to correct, amend or delete recorded personal information. This statement will become part of the file and will be included in any future disclosures of the disputed subject matter. Your statement will also be sent to the persons listed above.

YOUR RIGHT TO HAVE YOUR POLICY RE-EVALUATED
Your premium is determined by many factors. Like most insurance companies, Safeco uses credit information as a factor in determining the cost for some of the insurance products we offer. If you have an automobile, homeowners, condominium, renters, dwelling fire or motorcycle policy, then Safeco used your credit information to help determine your rate. You have the option to request that we re-evaluate your insurance premium using current credit information. You can make one request per year. If you request a re-evaluation, your new premium may be higher or lower than your current premium. Any changes to your policy premium will appear at your next renewal. Send us your request in writing; include your name, policy number and clearly state your request for a re-evaluation. Mail your request to Safeco Insurance, Attn: UW Verification & Policy Support, P.O. Box 515097, Los Angeles, CA 90051-5097.

SAFECO’S WEB SITE
If you have Internet access and want to learn more about our web site specific privacy and security practices, click on the Privacy Policy link on www.safeco.com.

This notice applies to the following members of the Liberty Mutual Group of Companies:

American Economy Insurance Company

Safeco Insurance Company of America

American States Insurance Company

Safeco Insurance Company of Illinois

American States Insurance Company of Texas

Safeco Insurance Company of Indiana

American States Preferred Insurance Company

Safeco Insurance Company of Oregon

First National Insurance Company of America

Safeco National Insurance Company

General Insurance Company of America Insurance Company of Illinois

Safeco Surplus Lines Insurance Company

(For mailing address, please contact your agent or the nearest local Safeco office.)

Copyright, 2012 Safeco Insurance Company of America, A Liberty Mutual Company. All rights reserved.

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