Privacy Policy

PRIVACY POLICY

Effective Date: October 1, 2023

INTRODUCTION

At the Maryland Automobile Insurance Fund (hereinafter “Maryland Auto Insurance”), we are committed to protecting the privacy and security of our customers’ personal information. This Privacy Policy outlines how we collect, use, protect and share customer information. By using our services, you consent to the practices described in this Privacy Policy.

INFORMATION WE COLLECT

We collect and maintain customer personal information to conduct our business and provide auto insurance to you, and to comply with legal and regulatory requirements. The types of personal information we may collect include:

Identifying Information: Name, date of birth, social security number, driver’s license number, addresses, telephone numbers, and email address.

Policy Information: Information related to insurance policies, including coverage details, policy numbers, and claims history.

Driving Information: Driving records, vehicle details, accident history, and other information necessary for assessing risk and underwriting insurance policies.

Financial Information: Billing details and payment information necessary for processing payments and collections. Maryland Auto Insurance does not collect credit or consumer reports for policy rating purposes.

Claims Information: Information related to insurance claims, including accident reports, loss details, and claims processing information.

Website Usage Information: Information collected automatically through cookies, web beacons, and similar technologies when you visit our website.

USE OF CUSTOMER INFORMATION

We use customer information for the following purposes:

Providing Insurance Services: To underwrite policies, assess risk, process claims, and administer, quote, and service auto insurance policies.

Customer Communication: To communicate with you regarding policy updates, billing, claims, and other service-related matters.

Marketing and Promotions: To inform you about products, services, and offers that may be of interest to you, unless you opt out.

Legal and Regulatory Compliance: To comply with applicable laws, regulations, and legal processes.

Improving Services: To analyze data and trends, enhance our products and services, and conduct research and development activities.

SHARING CUSTOMER INFORMATION

We may share personal information with the following parties, only to the extent necessary to fulfill the purposes outlined in this Privacy Policy:

Service Providers: Third-party service providers, contractors, insurance producers, and vendors who assist us in providing our services.

Business Partners: Partners and third parties with whom we collaborate to offer products, services, or joint marketing initiatives.

Legal Requirements: Law enforcement agencies, regulatory authorities, or other government entities as required by law or to protect our rights, safety, or property.

We do not sell customer information.

We do not allow those who are doing business on our behalf to use our customer information for their own marketing purposes, except for Producers who bind and service our auto insurance policies.

We contractually require any person or organization providing products or services on our behalf to protect Maryland Auto Insurance customer information.

We do not share customer medical information unless:

• you expressly authorize it; or
• it is permitted or required by law; or
• your insurance policy contract with us permits us to do so.

We may share customer information and permit others to use that information if you give us your consent, it is necessary to complete a transaction you request, or it is otherwise permitted by law.

We handle information about former and prospective customers the same as existing customers.

INFORMATION SECURITY

We maintain physical, electronic, and procedural safeguards to protect customer information and to comply with federal and state laws. In addition, we review our policies and practices, monitor our computer networks, and test the strength of our security.

We retain customer information for legal, auditing, regulatory, and business purposes.

DATA RETENTION

We retain personal information for as long as necessary to fulfill the purposes outlined in this Privacy Policy unless a longer retention period is required or permitted by law. We will securely dispose of information that is no longer needed or required to be retained.

YOUR RIGHTS AND CHOICES

You have certain rights regarding your personal information, including the right to access, correct, or update. Please contact us using the information provided at the end of this policy to exercise these rights or make any requests.

UPDATES TO THIS PRIVACY POLICY

We may update this Privacy Policy from time to time to reflect changes in our practices or legal requirements. We will notify you of any material changes by posting the updated policy on our website or through other appropriate communication channels.

CONTACT US

If you have any questions, concerns, or requests regarding this Privacy Policy or our privacy practices, please contact us at:

Maryland Auto Insurance

1215 E. Fort Avenue, Suite 400

Baltimore, Maryland 21230

Email: Privacy@marylandauto.net