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To our customers:
Categories of Information That We Collect:
We collect most of the information about you from your application for insurance, and from the servicing of your policy. Depending on the nature of your coverage we may collect nonpublic information about you from other sources such as consumer reporting agencies, state motor vehicles department, loss information reports, property inspection companies, other insurance companies, and others as allowed by law. In a claim situation, we may also collect medical information to adjust a claim.
How We Use This Information:
We use this information to underwrite your insurance, adjust your claim, or to provide you with the services that are normal to an insurance operation.
Under What Circumstance Do We Disclose Information:
We do not disclose any nonpublic information about our customers or former customers to anyone except as permitted by law. This means that under certain circumstances, information can be disclosed to third parties without your authorization. For example: We may disclose information to our insurance carrier; to consultants who perform business, or insurance functions for us; to independent claims adjusters, auto appraisers, investigators, and attorney's who need information to settle your claim; to businesses that provided underwriting and actuarial support; to consumer reporting agencies that provided us with necessary underwriting information; to organizations involved in collecting data to help in the detection or insurance fraud or criminal activity in connection with insurance transactions; to law enforcement or other governmental authorities to protect our legal interest or in cases of suspected fraud or illegal activities; to medical care institutions or medical professionals to verify coverage or conduct and audit of services; to insurance rating organizations or state regulatory agencies who are involved with the regulation or insurance pricing and products; to lien holders, mortgagees or other parties who have a legal interest in your policy and to authorized individuals as ordered by court documents.
Our Policies and Procedures for Protecting Your Privacy:
We restrict access to information about you to the referenced third parties and to employees who need to know that information to provide you with our products or to provide you with the benefits or services under them. We main physical, electronic, and procedural safeguards that comply with state and federal regulations to guard your nonpublic personal information. We will enter into a contractual agreement with each such third party to whom information is disclosed that will require the third party to use information only for a specific purposes for which it is disclosed, and that will require the third party to maintain the confidentiality of such information.
Access to Your Information:
You have the right to obtain certain items of information we have collected about you, and to request correction of information if you feel it is inaccurate. If we agree, we will correct your records accordingly. If we do not agree, we will communicate this to you. You should submit your written request to us at the address shown below. Certain information collected in connection with, or in anticipations of, any claim or legal proceeding will not be made available.
Lister Insurance Agency Inc.
Po Box 496
Medford, Ma 02155