Privacy & Security Policy
 

At The Michael P. Lavelle Agency, Inc. (collectively referred to as "the company"), we prioritize the protection of your personal information in compliance with applicable federal and state privacy laws.

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Our Commitment to Your Privacy

Your privacy is important to us. When you purchase an insurance policy, we gather information about you and/or the property being insured. We treat this information as confidential and have implemented measures to protect it. 

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This Privacy Statement explains our privacy practices, including the types of information we collect, how we obtain it, and under what circumstances, if any, it may be shared.

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This policy applies to individuals seeking or obtaining personal insurance for auto, home, or other property and liability coverage for personal, family, or household use.

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Information We Collect and How We Collect It

Most of the information we need comes directly from you during the application process. We may contact you by phone, email, or mail to verify or update the details provided.

By providing your phone number, you consent to being contacted via calls, text messages, or automated communications, as allowed by law and for business purposes, including servicing your policy.  No mobile phone information or opt-in data will be shared with third parties/affiliates for marketing or promotional purposes.

In addition, we may obtain information from:

• Personal Information: Details such as your name, address, Social Security number, and date of birth, obtained through applications, forms, phone calls, or emails.

• Payment Information: Data required to process payments. Please note, we do not retain banking or credit card information on file.

• Transaction Information: Records of your interactions with us, including claims, policy coverage, and payment history.

• Your past insurers or insurance support organizations regarding previous claims.

• Consumer reporting agencies, which may provide credit reports and other consumer data for underwriting or renewal purposes, as permitted by law.

• State Motor Vehicle Departments for driving history (e.g., accidents, convictions).

• Independent inspection companies, particularly for home, building, or boat insurance, to verify property conditions and value estimates.

We may also calculate an Insurance Score based on your credit history as part of our underwriting process. If there are errors in your credit information, we will reevaluate upon receiving corrected data.

Your insurance file may include policy details, payment history, and claim records. In some cases, we may need health-related information, such as for assessing driving ability. If required, we will ask you to authorize the release of medical information from your healthcare provider.

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How We Protect and Use Your Information

We maintain your information in secure files protected by physical, electronic, and procedural safeguards.

We do not sell or share your personal information for marketing purposes. We only share information as permitted or required by law and for legitimate business purposes, such as:

• Servicing your policy or settling claims.

• Providing information to agents, brokers, or affiliates within our network.

• Supporting scientific or actuarial studies (on an anonymous basis).

• Preventing or addressing fraud, including sharing with insurance support organizations or other insurers.

We may also disclose your information under specific circumstances:

• To comply with federal, state, or local laws or legal processes (e.g., subpoenas).

• To state insurance departments or government agencies, as required.

• To protect our legal interests or in cases of suspected illegal activity.

Your Right to Access and Correct Your Information

You have the right to know what information we have about you and how it has been used. To request this information, please write to us. We will respond within 30 business days of receiving your request.

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If we have shared your information with others, we will inform you of the recipient(s). If consumer reports were obtained, we will provide the name and address of the reporting agency.

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You may review and copy your file, except for certain claim or legal documents. If you identify errors, we will correct them or allow you to submit a written statement to include in your file if we disagree. We will forward any corrections or statements to those who received the original information.

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Contact Us

If you have questions or would like to access or correct your file, please contact:

The Michael P. Lavelle Agency, Inc.

2203 Hillside Ave, New Hyde Park, NY 11040
Email: info@thelavelleagency.com
Phone: 516-747-6262

When contacting us, include the following:

• Your name

• Address

• Policy number

• Phone number and the best time to reach you

• A copy (not the original) of personal identification, such as your driver’s license.

Thank you for trusting us with your insurance needs.