The Information We Collect:
Non-public personally identifiable information (“Information”) is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your Information.
Information We Obtain From You:
During the quoting, application, or claims handling processes, you may give us Information such as your:
Other drivers in your household or operating any owned vehicles
Social Security Number
Driver’s license number
Date of birth
Vehicle Identification Number (VIN)
Types of all Vehicles Driven
Driving Habits and Record
If you gave us your email address, Pathway Insurance Services Inc. may use it from time to time to notify you of such things as new services, special offers, or to confirm transactions. If you do not wish to be contacted by email for non-policy related communications, you may ask to be removed at the bottom of any email you receive.
Information about Your Transactions:
We may collect Information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes.
Information from Third Parties
We may receive Information about you from consumer reporting agencies, which provide us with motor vehicle reports, claim reports, existing insurance information, and/or credit information where permitted by law. When you ask for a rate quotation, we may obtain credit information if permitted by applicable state law.
Our sales and service representatives do not have access to the details of your credit information. As permitted by law, we may also review your motor vehicle record, claims history, and/or credit information in connection with any renewal.
The Information We Disclose
We may share, as allowed by law, all of the nonpublic personal information we collect to the following third parties:
Our affiliated companies.
Third parties that market our services and products and administer and service customer accounts on our behalf.
Other institutions with which we have joint marketing agreements.
Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as Information about our current policyholders.
Following are some examples of how we may disclose Information:
We must exchange Information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make.
When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle.
We may share Information with persons or organizations that we have determined need the Information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law in your state permits, we may share Information with financial institutions with which we have a joint-marketing agreement. All of these entities are obligated to keep the Information that we provide to them confidential and to use the Information only for the purpose for which the Information was provided.
Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to re-disclose the Information and the Information will be returned to us or destroyed when it is no longer needed.
We may also share your Information for other permitted purposes, including:
With another insurance company if you are involved in an accident with their insured
With our reinsurers
With insurance-support organizations that detect and prevent fraud
With medical professionals or institutions in order to verify coverage or conduct operations or services audits
With state insurance departments or other governmental or law enforcement authorities if required by law or to protect our legal interests or in cases of suspected fraud or illegal activities
If ordered by a subpoena, search warrant or other court order
Confidentiality and Security
We restrict access to your Information to employees who we have determined need it in order to provide products or services to you. We train our employees to safeguard customer information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your Information from unauthorized access by third parties.