| To our customers
Accident Fund Insurance Company of America does not disclose
any non-public personal information about our individual
policyholders, applicants, customers or former customers to
any non-affiliated third party other than those permitted by
law and only for the purpose of transacting the business of
your insurance coverage or policy.
Your Privacy is Our Serious Concern
At Accident Fund Insurance Company of America, we are proud
of the strong relationships we have built over the
years...relationships based on common goals and mutual
trust. We seriously value your business and respect the
privacy of our insured customers, former customers and our
web site visitors. When you apply
to Accident Fund Insurance Company of America for workers
compensation insurance or other services or products, you
disclose information about yourself to us. The collection,
use and disclosure of such information may be regulated by
law. Accident Fund Insurance Company of America, its
employees, agents, affiliates and subsidiaries maintain
physical, electronic and procedural safeguards that comply
with state and federal regulations to guard your personal
information. We also limit employee access to personally
identifiable information to those with a business reason for
knowing such information. Accident Fund Insurance Company of
America also instructs our employees so that they will
understand the importance of the confidentiality of personal
information, and takes appropriate measures to enforce
employee privacy responsibilities.
What kind of information do we collect about you and from
whom?
Accident Fund Insurance Company of America obtains most of
our information directly from you and/or your agent to help
us serve your insurance needs, conduct company business,
provide customer service and fulfill legal and regulatory
requirements. The insurance application you complete, as
well as any additional information you provide, generally
gives us most of the information we need to know. Sometimes
we may contact you by phone, fax, e-mail or mail to obtain
additional information as part of the insurance application,
underwriting, claims administration and servicing processes.
We may also collect , use and disclose information about you
from any of your other transactions with us, our affiliates,
agents, or others. Depending on
the nature of your insurance transaction, we may need
additional information about you. We may review insurance
claims information and other loss information reports, and
we may also obtain medical or financial information to
adjust some claims. We may also obtain the additional
information we need from third parties, such as claimants
under your insurance coverage with us, other insurance
companies, government agencies, information clearinghouses,
courts and other public records.
What do we do with the information collected about you?
Information that has been collected about you may be
retained in both our records and in your agent's files. We
do so to better serve your insurance needs and to conduct
our company business. We review it in evaluating your
request for insurance coverage, providing policy and premium
quotes, claims services and in determining your rates. We
may use information about you in our files for insurance
marketing purposes (including insurance products and
services) or to help you with your overall insurance
programs. The information we
obtain about you is kept internal to Accident Fund Insurance
Company of America except when needed to verify the
information provided, to service your policy or claim or as
required or permitted by law. The information is not
available to the general public.
To whom do we disclose information about you?
We will not disclose non-public personal information about
our individual policyholders, applicants, customers or
former customers to others unless the disclosure is
necessary to conduct or service our general insurance
business practice or as required or permitted by law.
Accident Fund is Committed to You
We value the trust of our policyholders, prospective
policyholders, customers and former customers and will
continue to recognize the importance of holding your
non-public personal information as confidential.
We do not sell any customer or policyholder information to
mailing list companies or mass marketing companies. We treat
our policyholder/claimant information as confidential.
Medical and Health Information
We do not share any medical information about you or about
claimants under your insurance policy to anyone other than
to conduct our insurance business or as permitted by law.
We will require both our employees and those companies and
agents with which we do business to use this information
appropriately and to safeguard the confidentiality of our
customers' information. We will ensure that financial or
medical information obtained under your insurance policy
will not be used or shared, internally or externally for any
purpose other than routine underwriting or claims
administration of a customer's policy, or account. We will
attempt to keep your information and records up to date and
accurate. We will continuously
monitor and assess our operations and our staff to ensure
that your privacy is respected, even as a former insured
customer. We will remind you
annually of our privacy policy. In serving you, we are
committed to providing you with the insurance services you
need now and in the years ahead, and to protecting your
personal information along the way.
How to Contact Us
If you have any questions about these privacy policies and
practices, contact us:
Accident Fund Insurance Company of America
Legal Department
Attn. Privacy Officer
232 S. Capitol Avenue
P.O. Box 40790
Lansing, MI 48901-7990
Toll-Free Number: 1-877-563-4636, ext. 1485
Web site: http://www.accidentfund.com/
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