Our Agency is concerned about your privacy. When we provide a quotation or sell a policy to an individual or business, we need information about the person or business to be insured. However, we consider this information private and have taken steps to protect its confidentiality.
You provide us with most of the information we need as part of the application process. We also request reports from various consumer-reporting agencies in connection with your application for insurance and/or any renewal of such insurance. The kind of information we gather depends upon the type of policy, but may include: automobile motor vehicle reports, claim reports, credit reports and property inspections.
If you decide to insure with us, your file may also contain information connected with any claims you've had. The claim representative may comment, for example, on the condition of the property, or let us know if there have been any changes in the way it's used. We may also keep a police report, if there was one in connection with an accident. We also, occasionally, require some medical information about an insured – if, for example, we need to know whether a physical impairment will affect a person's ability to drive safely.
Information, which has been collected about you, which we keep, will be contained in our records. We will refer to and use this information to quote, issue and then service your insurance policies. Except as described below, we will not disclose information about you without your authorization.
We may, without your prior permission and only if permitted by law, provide information about you contained in our records and files to certain persons or organizations such as:
Our affiliated property and casualty insurance companies including brokers
An independent claim adjuster or investigator once a policy is established
Also, on rare occasions, we may be required to share this information:
With a State Insurance Department or other governmental agency, if required by federal, state or local laws.
If ordered by a summons, court order, search warrant or subpoena
To protect our own legal interests, or in case of suspected fraud or other illegal act
You may see and copy the personal information in your files (except for certain documents pertaining to claims and lawsuits, or medical in nature). If you believe any of our information is incorrect, we'll reinvestigate and if we agree there was an error, we'll correct it. If we don't you're still entitled to file a statement with us, disputing the information. We'll send the correction or statement to anyone who received or will receive the original information.
In order for us to safeguard your information, your request to see and copy such information must be in writing and include your name, address, policy number(s), daytime phone number, best time of day for us to call and a copy of personal identification such as your drivers license.
Please write to: Harold W. Wells & Son, Inc.
P O Box 2320
Wilmington NC 28402
Harold W. Wells & Son will not disclose your personal information to companies not affiliated with us that would use the information we have provided them to contact you about their products and services. Much of the personal information that we have about you comes directly from you. You gave much of this information to us on your application for insurance. We may have contacted you by telephone or mail for additional information. We also keep information about products, services, fund values, transaction history and medical information from outside sources.
When we share personal information with companies working on our behalf, we protect that personal information where required by law with a confidentiality agreement that obligates those companies to conform to our standards and keep confidential any information about you that we give them. Within the agency, your personal information is available to those individuals who may need to see it to fulfill and service your needs as a customer. We communicate regarding the need to protect your information to individuals who have access to it and we have procedural safeguards to protect your information.
Should your relationship with the agency end, your personal information will remain protected in accordance with our privacy practices.
We will continue to assess ourselves to ensure that customer privacy is respected and fulfills our promise.