State Specific Disclosures
AL, AK, AZ, AR, CO, DC, GA, ID, IL, IN, IA, KY, LA, ME, MN, MS, MO, MT, NE, NV, NJ, NC, ND, SC, SD, OH, OK, PA, RI, TN, TX, UT, WA, WI, WY
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information contained in your credit report. We or our partners may use a third party in connection with the development of your insurance score.
CT
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information contained in your credit report. We or our partners may use a third party in connection with the development of your insurance score. You have the right to request that we or our partners consider any extraordinary life circumstance occurring within the last three (3) years.
DE
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information contained in your credit report. We or our partners may use a third party in connection with the development of your insurance score. If a credit based score is used for your policy, you have the right, upon request, to have your score reordered once every 12 months. If the new score would result in a premium decrease, you will receive the benefit of that score. Otherwise, the new score will not impact your rate.
FL
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information contained in your credit report. We or our partners may use a third party in connection with the development of your insurance score. The Department of Financial Services offers free financial literacy programs to assist you with insurance-related questions, including how credit works and how credit scores are calculated. To learn more, visit www.MyFloridaCFO.com.
KS
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information contained in your credit report. We or our partners may use a third party in connection with the development of your insurance score. If you question the accuracy of the information in the credit report, we or our partners will, upon your request, reevaluate you based on the updated information from the consumer reporting agency. An internal appeal process for credit is available.
LA
In connection with this application for insurance, we may review your credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance score.
MD
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information contained in your credit report. We or our partners may use a third party in connection with the development of your insurance score. You may request that your credit information be updated and if you question the accuracy of the information contained in your credit report, we or our partners will, upon your request, reevaluate you based on corrected credit information from a consumer reporting agency. Additionally, you may request a premium quote that separately identifies the portion of the premium attributable to your credit history.
MI
In connection with this application for insurance, we or our partners may review your credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We or our partners may use a third party in connection with the development of your insurance score.
NH
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information contained in your credit report. We or our partners may use a third party in connection with the development of your insurance score. This credit-based insurance score is just one of many factors used to determine your rate. If you question the accuracy of the information in the credit report, we or our partners will, upon your request, reevaluate you based on the updated information from the consumer reporting agency. You have the right to request an exception for any extraordinary life circumstance.
NM
In connection with your application for insurance coverage, we or our partners may review and use information contained in your credit report to help determine your premium or your eligibility for coverage.
NY
In connection with this insurance rate quote and any renewal of insurance, we or our partners may obtain or use a credit-based insurance score based on the information in your credit report. We or our partners may use a third party in connection with the development of your insurance score. An insurance score uses information from your credit report to help predict how often you are likely to file claims and how expensive those claims will be. Items from a credit report that may affect a score include, but are not limited to, payment history, number of new and revolving accounts, the presence of collection accounts, bankruptcies and foreclosures. The information used to develop the insurance score may be obtained from one or more of the following consumer reporting agencies: TransUnion, Equifax, or Experian.
VA
In connection with this application for insurance, we or our partners shall review your credit report or obtain or use an insurance credit score based on the information contained in that credit report. We or our partners may use a third party in connection with the development of your insurance credit score. You may request that your credit information be updated and if you question the accuracy of the credit information, we will, upon your request, reevaluate you based on corrected credit information from a consumer reporting agency.
VT
In connection with this application for insurance, we or our partners may review your credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We or our partners may use a third party in connection with the development of your insurance score.
WV
Your credit information is used by our insurance partners to produce an insurance score. This insurance score has an effect on the premium that you pay for your insurance. Insurers are required by the Insurance Commissioner to recheck your credit information no less than once every 36 months for changes. You have the option to request that your insurer recheck your insurance score more frequently than once every 36 months, but you can only make this request once during any twelve-month period. If there has been a change in your insurance score, the insurer must re-underwrite and re-rate the policy based upon the current credit report or insurance score. The change in your insurance score may result in an increase or a decrease in the premium that you pay for your insurance. Any changes in your premium will take place upon renewal if your request is made at least 45 days before your renewal. If the request is made less than 45 days before your renewal date, the insurer shall re-underwrite and re-rate the policy for the following renewal.