This notice applies to applicants and policyholders of personal lines of property and casualty insurance in the following states: Arizona, California, Connecticut, Georgia, Illinois, Maine, Minnesota, Montana, Nevada, New Jersey, North Carolina, Oregon, and Virginia.
The Hartford is committed to protecting the privacy and confidentiality of your personal information in accordance with law. This notice explains how we collect, use and protect your personal information and your rights regarding that information.
Información que recopilamos
While your application for insurance is our primary source of information, we may also need to collect or verify information about you and other insured persons from other sources, such as a consumer reporting agency, motor vehicle department, property inspection company, agent, or as otherwise permitted by law. We may collect personal information about you and other insured persons that is necessary to determine your eligibility and premium for insurance, to service your policy, and otherwise as permitted by law. For example, we may obtain information from these sources: information about your accident and loss history, motor vehicle violations, the value and condition of your property, and an evaluation of your loss potential through an analysis of credit characteristics, known as an insurance score. Occasionally, we may contact you to ask about your autos or boats and to identify by name, age and gender the operators of your insured vehicles or boats, or verify other information on your application or in your policy records. We also collect information about your transactions with us, such as the products you buy from us; the amount you paid for those products; your account balances; and your payment and claims history.
Disclosure of Information
We will not disclose your personal information to third parties without your authorization except in connection with our business or as otherwise permitted or required by law. For example, we may disclose personal information we collect to: companies performing services or functions on our behalf, including persons or organizations who help us with business functions such as an agent, adjuster, appraiser, investigator, attorney, reinsurer, insurance support organization, and companies providing marketing, data processing and other services, including for the purpose of determining your eligibility for insurance benefits or payments; to detect or prevent fraud or criminal activity in connection with insurance transactions; medical care institutions or medical professionals for the purposes of verifying coverage, to inform you of a medical problem, or to conduct an operation or services audit of the medical professional or institution; to insurance regulatory authorities or law enforcement of other governmental authorities to prevent or prosecute the perpetration of fraud; to third parties who collect data regarding claims for purposes of underwriting and claims handling, or to a third party as otherwise permitted or required by law; or reinsurers; to persons or organizations within our affiliated group of companies for the purpose of auditing, or marketing an insurance product or service; to persons or organizations such as a lienholder, mortgagee, assignee, or other person with a legal or beneficial interest in a policy of insurance; in any other manner that you may authorize us to; and as otherwise permitted or required by law.
How We Protect Your Information
We employ administrative, technical and physical safeguards to protect the security, confidentiality and integrity of personal information. We will continue to protect your information even when a business relationship no longer exists between us.
Your Access and Correction Rights
You have the right, subject to limited restrictions, to learn what personal, including medical, information we have in our files about you, to whom it has been recently disclosed, to have access to the information, and to receive a copy. We are not required to provide you access to information relating to a claim or a civil or criminal proceeding. Please contact us in writing if you would like access to your information from our files. We will need your complete name, address and all policy numbers under which you are insured. Tell us what information you would like to receive. There may be a reasonable charge for copies of records.
If you think your file contains incorrect information, notify us indicating what you believe is incorrect and your reasons. We will investigate the matter and either correct our records or agree to place a statement from you in our files explaining why you believe the information is incorrect. We will also, as required by law, notify persons or organizations to whom we previously disclosed the information of the change or your statement. If you request access to medical record information that was supplied to us by a medical care institution or medical professional, we may choose to provide it to a medical professional designated by you.
We will also give you the name and address of any consumer reporting agency who may have prepared any report in our files about you. You may obtain a copy of your report directly from them. If you believe the report is incorrect, you should contact them directly so that they can reinvestigate their information. Any corrections made by them will then be given to us.
How to make a request: If you wish to exercise your rights as provided in this notice, please provide us with your full name, complete address, all policy numbers under which you have insurance, and a reasonable description of the information you wish to access or correct.
Please send your written request to:
Programa de seguros AARP
The Hartford
P.O. Box 14219
Lexington, KY 40512-4219