Information on Insurance Score and Consumer Reports
Like most insurance companies, we obtain information about you and other drivers in your household from consumer reporting agencies. This information includes a credit-based insurance score, driving and claim histories, as well as other consumer reports. You have the right to be told the names and addresses of the consumer reporting agencies who provided the reports so you can review and correct your personal information.
We order an insurance score based on your credit history to underwrite and rate your policy. An insurance score uses information from your credit report to help predict how likely you are to file claims and how expensive those claims will be. Typical items from a credit report that could affect an insurance score include: payment history, length of reported credit history, number of revolving or new accounts, presence of collection accounts, bankruptcies, foreclosures, as well as other items. The information used to develop our insurance score comes from TransUnion and/or Equifax. We may use a third party as part of this process. To learn more about how credit history is used in insurance, read Use of Credit History Information and Insurance Scoring.
If any information in your credit history changes, you may contact us to request that we re-evaluate this information.
If you believe that your credit information has been adversely impacted by an extraordinary life circumstance you may request that we consider this when developing your credit based insurance score.
These extraordinary life circumstances may include:
- A catastrophic illness or injury
- Divorce
- Death of a spouse, child or parent
- Involuntary loss of employment for three consecutive months
- Identity theft
- Total or other loss that makes your home uninhabitable
- Other extraordinary events will be considered
We may require you to provide reasonable documentation of this circumstance and explain how it has negatively affected your credit.
For all questions and inquiries regarding our use of insurance score, including any request to review any extraordinary life circumstances, please contact our Insurance Score Resource Center at 1.800.550.7717.
Insurance support organizations, including consumer reporting agencies, may retain the information they give to us and may disclose it to other. We may disclose any information we receive to properly service your policy or to conduct our business. To learn more, read our Privacy Notice.
We only obtain credit-based insurance scores where allowed by law.