Capital Insurance Group, Inc.
2300 Garden Road
Monterey, CA 93940
Phone 800-682-9255
We are concerned about your privacy and committed to protecting your personal information. The following outlines how we receive and protect your information as well as your rights and responsibilities regarding the information we collect about you.
Most of the personal information we receive comes from your application. We use this information to help decide whether or not a policy can be issued, and for rating purposes. To assist in making necessary business decisions, we may need to obtain additional information about you and any family members who are applying for insurance. This information may be requested from public records, consumer reporting agencies, doctors, hospitals, other insurance companies or other individuals. Some examples of this information are: your driving record, employment history, your insurance score if that discount is a feature in the auto insurance program for your state, other insurance coverage, or health and medical history.
If we order a consumer report from an independent reporting agency, they will obtain information about you in the same way that we would. That is, they may contact you or persons you know. They may personally inspect your property. The information collected by the agency is retained and shared with others involved in the insuring processes. If we use a consumer reporting agency to prepare a report on you, you have the right to be personally interviewed by them. Information you give the agency during an interview will be included in the report sent to us. If you wish to be interviewed, please tell us how the agency can contact you. Every effort will be made to interview you. Even if you are not interviewed, you have the right to request a copy of the report. Contact us or your agent.
The information we collect about you is for our business purposes and to assist you as our client. We do not sell client information or provide client information to persons or organizations outside our CIG family of companies for their own marketing purposes.
We also require any person or organization providing products or services to clients on our behalf to protect the confidentiality of CIG client information. We also afford prospective and former clients the same protection as existing clients with respect to the use of personal information.
Information about you will be kept in our policy records. We will refer to and use that information for purposes related to issuing and servicing insurance policies and settling claims.
Without your prior authorization, we may, as permitted by law, share information about you contained in our files with certain persons or organizations. The types of persons or organizations we may share this information with include:
There may be times when you may need us to share your personal information with persons or organizations for which we require your written authorization. In these cases, we will obtain your signed authorization before releasing any of your information. The authorization will describe who we should share the information with, the information we need to share, why we are sharing the information, the purpose for which it will be used and the length of time it is valid. If you wish to rescind this authorization, you may do so at any time. In any event, the authorization ends within 24 months.
You have the right to review recorded information about you contained in our files. If you have any questions about what information we have on file, please write us. We will need your complete name, address, date of birth, and all policy numbers under which you are insured. Tell us what information you would like to receive. Within 30 business days of receipt of your request, we will contact you and inform you of the nature of recorded information about you in our files. At that time, we will also tell you the identity of the persons or organizations to whom we have disclosed this information in the preceding two years. We will also let you see and copy, in person, such recorded information or we will mail you a copy, if you prefer. There will be a nominal fee charged for the costs of providing this information to you.
Sometimes, if your file contains medical information, we may ask you to name a doctor, licensed to treat the condition to which the medical information relates, to whom we can send such information so that he or she may explain it to you.
There are some kinds of information, however, that we are not required to give you access to. This type of information is generally collected when we evaluate a claim under an insurance policy or when the possibility of a lawsuit exists.
If, after reading the information in your file, you believe it is incorrect, please notify us. Tell us what is inaccurate and why. You have the right to request that we correct, amend or delete information that you feel is incorrect.
Upon receiving your request, we will reinvestigate the information you think is incorrect. If we agree with you, we will make the necessary corrections, amendments or deletions within 30 days of receiving your request. We will also notify persons or organizations to whom we have previously disclosed the inaccurate information of the change. Insurance-support organizations to whom we systematically reveal information will also be informed of the change.
If we disagree with you, we will notify you within 30 days of receiving your request, and give you our reasons for refusing to correct, amend or delete the information you feel is incorrect. If you are not satisfied by our refusal and the reasons, you have the right to place a statement in our files explaining why you believe the information is incorrect. In that case, we will ask you to send us a concise statement of what you believe is the correct information and why you disagree with our refusal to correct it. When we receive your statement, we will place it in our file and send a copy of it to persons and organizations to whom we have previously disclosed information. If we make any subsequent disclosure of information in your file, we will also disclose your statement.