What kind of personal information do we collect about you and from whom?
Lamar & Lamar 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 affiliates, or others. Third party sources of personal information might include, government agencies, consumer reporting agencies, courts, and other public records. The types of personal information we gather depends on the nature of your insurance transaction. For auto insurance, we quite often obtain information from your 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 any 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. At times we may review personal information contained in consumer reports provided to us by a consumer reporting agency. The agency that prepares a consumer report for us may retain that report and disclose it to other persons as permitted by law.
What do we do with the personal information collected about you?
Personal information that has been collected about you may be retained in both our records and in your agent's files. 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 related in issuing and servicing insurance policies and settling claims. We do retain information about our former customers in our files for Insurance Department market conduct purposes and for use in handling claims submitted to us after policy termination. If coverage is declined or the charge for coverage is increased because of information contained in a consumer report we obtained, we will tell you as required by state law and the federal Fair Credit Reporting Act. We also will give you the name and address of the consumer reporting agency making the report.
How do we safeguard the personal information in our records?
Lamar & Lamar uses a variety of physical, electronic, and procedural safeguards to protect the confidentiality and security of your personal information in our possession. We also limit our employees' access to your personal information to those with a business reason for knowing such information. Lamar & Lamar also instructs our employees so that they will understand the importance of the confidentiality of personal information, and takes appropriate measures to enforce employee privacy responsibilities.
To whom do we disclose personal information about you?
We do not disclose any personal information about our customers or former customers, except as permitted by law. That means we may make disclosures to the following types of third parties, if necessary, without your consent:
How can you find out about personal information we have about you?
- Our affiliated property and casualty insurance companies;
- Your independent agent or broker;
- Parties who perform a business, professional, or insurance function for our company;
- Independent claims adjusters, appraisers, investigators, medical professionals, and attorneys who need the information to investigate, defend, or settle a claim involving you;
- Businesses that conduct scientific research, including actuarial or underwriting studies;
- Consumer reporting agencies as reasonably necessary in connection with any application, policy, or claim involving you;
- Insurance support organizations which are established to collect information for the purpose of detecting and preventing insurance crimes or fraudulent claims;
- Insurance regulatory agencies in connection with the regulation of our business;
- Law enforcement or other governmental authorities to protect our legal interests or in cases of suspected fraud or illegal activities;
- Certificateholders or policyholders for the purpose of providing information regarding the status of an insurance transaction; or
- Lienholder, mortgagees, lessors, or other persons shown on our records as having a legal or beneficial interest in your policy.
You are entitled to know what kind of personal information we keep in our files about you, to have reasonable access to it, and to receive a copy. Contact us at any of the ways provided on this website if you have questions about what personal information we may have on file. Tell us what information you would like to receive. Provide your complete name, address, and all policy or claim numbers issued to you by us. Within thirty (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. We will also identify any person or organizations listed in our records to whom we have disclosed this information within the past two (2) years. In addition, you will be given the name and address of any consumer credit reporting agency that prepared a report about you so that you can contact them for a copy of that report if you wish. After you have reviewed the personal information about you in our file, 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 consider your request and within thirty (30) business days either change our files or tell you that we did not and the reason. If we do not make changes, you will have the right to insert in our file a concise statement containing what you believe to be the correct, relevant, or fair information and explaining why you believe the information on file to be improper. We will notify persons designated by you to whom we have previously disclosed the information of the change of your statement. Subsequent disclosures we make also will include your statement.