When we quote, issue, service or renew an insurance policy, we require certain information. Some of this information is obtained from you, and confirmed or supplemented through information obtained from various consumer reporting agencies, which provide motor vehicle reports, claim reports, and credit reports.

Any increased charge or other adverse action may be attributable to use of this information. No consumer reporting agency made any decision to take an adverse action with respect to your insurance and will be unable to confirm the specific reasons why any such action was taken. Therefore, if you have questions about our information practices or their impact on your insurance, please call our company phone. At your request, we will:

• Confirm whether a consumer report was requested;
• Provide the specific reasons, and supporting information related to, any change to your policy;
• Provide you more detailed information regarding our collection, use, and disclosure of information about you, and your rights to access and correct such information; and
• Identify other to whom we may have disclosed this information.

The following consumer reporting agency is used by us: