What We Do To Protect Your Privacy
We refer to the above websites and all related websites as “sites” and to each of them as a “site.” When we refer to “we,” “us,” or “our,” we mean Auto-Owners, or the specific division, subsidiary, or affiliate that operates a site, provides its content, or processes information received through it, each as appropriate and applicable. When we refer to “you” or “your,” we mean the person accessing the site or utilizing our Services. If the person interacting with Auto-Owners does so on behalf of, or for the purposes of, another person, including a business or other organization, “you” or “your” also means that other person, including a business organization.
- GENERAL DISCLOSURES
- WHAT INFORMATION WE COLLECT
- HOW WE USE YOUR INFORMATION
- WHEN AND WITH WHOM DO WE SHARE YOUR INFORMATION
- COOKIES POLICY
- HOW TO RESTRICT COOKIES
- THIRD-PARTY ADVERTISING AND ANALYTICS
- SOCIAL MEDIA
- LINKING SITES
- HOW LONG WE RETAIN YOUR INFORMATION
- WEB ACCESSIBILITY STATEMENT
- CHILDREN'S ONLINE PRIVACY PROTECTION ACT (COPPA) COMPLIANCE AND RELATED INFORMATION
- CALIFORNIA PRIVACY RIGHTS
- CONTACT US
We take your privacy and the protection of your personal information seriously. We will only store, process and disclose your personal information in accordance with applicable law. We will make it clear when we collect your personal information and will explain what we intend to do with it. We do our best to protect your privacy through the appropriate use of information security measures.
What Information We Collect
1. Information That You Provide To Us Directly
Auto-Owners may collect different information from or about you depending on the manner in which you use our sites or Services. For example, we routinely obtain information through applications and forms related to our products or Services, your visiting our sites, and your transactions with us.
The type of information that we collect depends on the Services we are providing to you. Auto-Owners collects information from various types of individuals in its ordinary course of business including insureds, agents, claimants, employees, vendors, visitors to its websites, etc. The following categories of information and associated examples are provided to help you understand the information we may collect through your use of the sites or in the course of us providing our Services to you.
Identity Information includes first name, middle name, last name, date of birth, gender, username or similar identifier, Social Security number, driver’s license number, tax identification number, passport number, occupation, and marital status.
Contact Information includes personal mailing address, home address, email address, and telephone number.
Medical Information includes medical history and current medical condition. Note that we only obtain your Medical Information with your permission, or as otherwise allowed or required by law.
Property Information includes real property, such as acreage, building, home information, alarm systems, geolocation, fixtures, real property records; and personal property, such as automobile descriptors (VIN number, car type and model, etc), and personal property records.
Financial Information includes loan numbers, mortgage numbers, bank account information, and payment card details.
Insurance Information includes claims history; credit history; household member Identity Information, driving record; and insurance policy information, such as coverages, limits, deductibles.
Claims Information including police reports, recorded statements, and Insurance Information.
Transaction Information includes details about the products and services you have purchased from us and any corresponding transactions, including with your independent agency.
Technical Information includes internet protocol (IP) address, login data, time zone setting and location (geocodes), logs, pages visited, pages viewed, events and page loads, browser plug-in types and versions, operating system and platform and other technology on the devices you use to access this website.
Profile Information includes your username and password, your preferences, and Contact Information.
Usage Information includes information about how you use our website, products and Services.
2. Information We Receive From Other Sources
To assist in providing you our Services, including underwriting and servicing your policy, we may obtain personal information about you from external sources such as our affiliates, independent insurance agents and service providers, governmental agencies and consumer reporting agencies.
We will not knowingly obtain or use personal information that was collected from you or disclosed to us in violation of law or through deceptive means.
3. Collection Of Technical Information And Usage Information
When you access Auto-Owners’ sites, we automatically collect certain information. This information may include without limitation: (a) technical information about your computer or wireless device, such as your IP address, geolocation information, device type, operating system type and version, unique device ID, browser, browser language, domain and other systems information or platform types (collectively “Technical Information”); and (b) usage statistics about your interaction with Auto-Owners’ sites, including pages accessed, referring website address(es), time spent on pages, pages visited, search queries, click data, date and time and other information regarding your use of Auto-Owners’ sites (collectively “Usage Information”).
4. Collection Of Information From Claimants Who Are Not Insureds
Individuals not insured through Auto-Owners might provide personal information, either directly or through a third party, when filing a claim with Auto-Owners. Such personal information could include any of the information listed above
How We Use Your Information
We may use information about you for a number of purposes, including:
1. Providing, Improving And Developing Our Services
Underwriting your policy;
Processing and handling claims;
Processing or recording payment transactions or money transfers;
Displaying your historical transaction information;
Developing new products and improving our Services;
Delivering the information and support you request;
Improving, personalizing and facilitating your use of our Services;
Otherwise providing you with the Auto-Owners Services and features you choose to use, including responding to claims from those who are not insured through Auto-Owners; and
Measuring, tracking and analyzing trends and usage in connection with your use or the performance of our Services.
2. Communicating With You About Our Services
Respond to your questions or concerns;
Send you information you have requested from us about our Services;
Provide updates about your policy and/or claims, and
Manage your account preferences and registration information and establish your profile.
3. Protecting Our Services And Maintaining A Trusted Environment
Verifying your identity;
Complying with any applicable laws or regulations, or in response to lawful requests for information from the government or through legal process;
Fulfilling any other purpose disclosed to you in connection with our Services;
Analyze trends and user traffic, track purchases and usage information; and
Contacting you to resolve disputes and provide assistance with our Services.
4. Other Uses
Reviewing and analyzing user browser and wireless device technical information;
Reviewing user activity across sites (for example, Auto-Owners analyzes trends, user traffic and usage information to determine the performance of content, research reports or events); and
For any other purpose disclosed to you in connection with our Services from time to time.
When and With Whom Do We Share Your Information
1. We Do Not Sell Your Information
We do not sell your personal information to third parties, nor do we allow our affiliates and service providers with whom we share your personal information to sell it. Auto-Owners does not sell the personal information of minors under sixteen (16) years of age.
2. When And How We May Share/Disclose Your Information
We may share all or part of your personal information with our trusted service providers, but only when necessary for the administration and functioning of our Services. These service providers include our payment processing providers, e-mail and data hosting services, data analytics vendors customer services and support providers, independent agents, reinsurance companies, fraud prevention agencies, insurance adjusters, and legal service providers. We may also share Technical Information relating to your computer or mobile device with our marketing and advertising service providers for the purposes of remarketing.
These service providers are required to use your information only for the purposes for which we shared it with them (i.e., solely for performing services for Auto-Owners) and they cannot sell your information. We only disclose information necessary for our service providers to perform their specific business functions for us.
When sharing information with these service providers, we require them to adequately protect your personal information in compliance with legal requirements. We do not permit them to use or share your personal information for any purpose other than the work they are doing on our behalf or as required by law.
3. Corporate Transactions
4. Disclosure Of Information For Legal Purposes
5. Analytics And Data Enrichment Services
To provide site visitors with better service, the sites may use analytics software to track usage activity of the sites. The information collected is anonymous, aggregated data and does not contain personally identifiable information. If, at any time, you wish not to participate in the use of analytics software, please use your search engine’s (i.e., Google, Bing, Yahoo, etc.) available opt-outs. In addition to basic analytics software, our sites may also employ remarketing technologies, Google Display Network Impression Reporting, or Google Demographics and Interest Reporting from the data obtained through this analytics software.
We use analytics service providers, such as Google Analytics, to advertise online. These service providers, including Google and similar sites, may show our ads on websites across the Internet. By using Google Analytics software, we are able to obtain third-party audience data. We use this data to make improvements to the sites and may also utilize Google’s interest-based advertising services. If you do not wish to participate in these Google analytics and advertising programs, you can opt-out through your Google Chrome browser and by disabling cookies. For more information, see the ADVERTISING AND ANALYTICS section below and our COOKIES POLICY, also below.
6. Aggregated, Anonymized Or De-identified Information
We may disclose or use aggregated, anonymized, or de-identified information for any purpose. Aggregated, anonymized or de-identified information is information that can no longer reasonably identify a specific individual. Although such information may be derived from your personal information, it can no longer directly or indirectly reveal your identity.
Session cookies are used to identify a particular visit to Auto-Owners’ sites and collect information about your interaction with the sites. These cookies expire after a short time or when the user closes their web browser after using the sites. Auto-Owners uses these cookies to identify a user during a single browsing session, such as when you log into the sites. This helps Auto-Owners improve the sites and Services as well as improve the users’ browsing experience.
Persistent cookies will remain on a user’s device for a set period of time specified in the cookie. Auto-Owners uses these cookies to identify and recognize a specific user over a longer period of time. They allow Auto-Owners the ability to:
Analyze the usage of the sites in order to improve our offering;
Determine if a certain page was visited or whether an email sent by Auto-Owners was opened or clicked on by a user
Test different versions of the sites to see which particular features or content users prefer in order to optimize the sites; and
Store information about a user’s browser and settings preferences to provide a more personalized and functional experience to users with more relevant content and course recommendations.
Auto-Owners uses tracking technology to: (i) determine if a certain page was visited or whether an email sent by Auto-Owners was opened or clicked on by a user and (ii) to customize the experience of individual users by recommending specific content.
We also use clear gifs in HTML-based emails sent to our users to track which emails are opened and clicked on by recipients. We may use the information we obtain from the cookie in the administration of the sites to improve the usability of the sites, for marketing purposes, to recognize your computer when you visit our sites, and to personalize our sites for you.
Cookies and information captured through our sites are stored for a certain retention period; however, you can eliminate these cookies any time before the expiration date. Most Web browsers accept cookies by default, but allow a user to disable them. You may disable cookies by visiting your internet browser settings; however, this may affect how the site displays on your computer.
How To Restrict Cookies
You can adjust the settings in your browser in order to restrict or block cookies that are set by the sites (or any other website on the Internet). Your browser may include information on how to adjust your settings. Alternatively, you may visit www.allaboutcookies.org to obtain comprehensive general information about cookies and how to adjust the cookie settings on various browsers. This site also explains how to delete cookies from your computer.
You can control and delete these cookies through your browser settings through the following:
Or you can also use the following cookie management and disposal tool from Google Analytics by downloading and installing the browser plug-in from the following link: https://tools.google.com/dlpage/gaoptout.
Please be aware that restricting cookies may impact the functionality of the Services. Most browsers allow you to refuse to accept cookies. Additional general information about cookies, including how to be notified about the placement of new cookies and how to disable cookies, can be found at www.allaboutcookies.org.
Advertising and Analytics
To provide visitors with better service, each sites may use analytics software to track usage activity of that site. The information collected is anonymous, aggregated data and does not contain personally identifiable information. If, at any time, you choose not to participate in the use of analytics software, please use your search engine’s (i.e. Google, Bing, Yahoo, etc.) available opt-outs for the web. In addition to basic analytics software, the sites may also use remarketing technologies, Google Display Network Impression Reporting, or Google Demographics and Interest Reporting from the data obtained through analytics software.
We use remarketing with our service providers to advertise online. Their services may come from sites such as Google, Bing, Yahoo, Facebook, Instagram, Twitter, Adroll, and any other display advertising partner (collectively the “Platform Advertisers”) to advertise on third-party websites to previous visitors to our site. These vendors may show our ads on websites across the internet.
We may collect information from other sources, such as social media platforms that may share information about how you interact with our social media content. We do not control how your personal information is collected, stored or used by such third-party websites or to whom it is disclosed. You should review the privacy policies and settings on any social media website that you subscribe to so that you understand the information they collect and may be sharing. If you do not want your social media websites to share information about you, you must contact that website and determine whether it gives you the opportunity to opt-out of sharing such information. Auto-Owners is not responsible for how these third-party websites may use information collected from or about you.
For instance, information collected through Google Analytics is shared with Google and its partners who may combine it with other information you provided to them or they collected from your use of their services. This information is stored in Google’s servers according to their privacy practices.
How Long We Retain Your Information
In some circumstances we may anonymize (make anonymous) your personal information for research or statistical purposes, in which case, we may use this information indefinitely without further notice to you. This would mean that any personal identifiable information such as your name, address, date of birth, telephone number, etc., will be deleted after a defined period of time. The rest of the data is therefore anonymous and will be used to maintain a level of information that helps us develop and improve our sites and Services without any identifiable personal information.
Web Accessibility Statement
We work hard to make sure you are able to get the information you need. If you have trouble reading or using material on the site, please send us an email at PublicWebsiteFeedback@aoins.com or call us toll free at 517-323-1200. We are happy to provide the material to you through other means.
Children's Online Privacy Protection Act (COPPA) Compliance and Related Information
The Children’s Online Privacy and Protection Act (COPPA) regulates online collection of information from persons under the age of 13. It is our policy to refrain from knowingly collecting or maintaining personal information relating to any person under the age of 18. If you are under the age of 18, please do not supply any personal information through the sites. If you are under the age of 18 and have already provided personal information through the sites, please have your parent or guardian contact us immediately using the information provided under CONTACT US so that we can remove such information from our files.
We take reasonable measures, including administrative, technical, and physical safeguards, to protect your information from loss, theft, misuse, and unauthorized access, disclosure, alteration, and destruction. We hold information about you both at our own premises and with the assistance of third-party service providers. Further public disclosure here of our security measures could aid those who might attempt to circumvent those security measures. If you have additional questions regarding security, please feel free to contact us directly using the information provided under CONTACT US. To ensure that our employees comply with our privacy policies, we have developed a training program that provides all employees with the tools and knowledge to protect your personal information in all aspects of their work. Any employee who violates our privacy policies may be subject to disciplinary action.
California Privacy Rights
The California Consumer Privacy Act (“CCPA”) permits residents of California to have the following additional rights. For more information, or if you have questions, you can contact us using the information provided under CONTACT US.
1. California Residents Have The Right To Request Auto-Owners Disclose What Information It Collects, Uses And Discloses About Them
California residents have the right to request that Auto-Owners disclose what personal information Auto-Owners collects, uses and discloses about them, the general purposes for which Auto-Owners collects, uses and discloses personal information, and the categories of entities that Auto-Owners receives personal information from or discloses personal information to, regarding California residents.
If you are a California resident and would like to request the specific pieces of personal information that Auto-Owners collects, uses and discloses about you, please complete the form located at https://www.auto-owners.com/privacy/california-consumer-privacy-act. In order for Auto-Owners to verify any request, you will be required to provide some information. Failure to do so could result in Auto-Owners’ inability to comply with your request. We may request that you provide your full name, physical address, date of birth, email address, policy number, claim number and loss date along with your request. We will use this additional information to identify you in our system, evaluate your request and to contact you with any related information or decisions. We will also keep a record of your request and submitted information as is required by law. However, we will not use this additional information for any other purposes.
If you wish to use our toll-free number instead or have any questions regarding these rights, please submit your inquiry to Auto-Owners under CONTACT US.
2. California Residents Have The Right To Request The Deletion Of Their Personal Information Maintained By Auto-Owners
California residents have the right to request that Auto-Owners delete the personal information Auto-Owners maintains about them. Please note that certain laws or other legal requirements may prevent personal information from being deleted. If you are a California resident and would like to request the deletion of your personal information, please complete the form located at https://www.auto-owners.com/privacy/california-consumer-privacy-act. In order for Auto-Owners to verify any request, you will be required to provide some information. Failure to do so could result in Auto-Owners’ inability to comply with your request. We may request that you provide your full name, physical address, date of birth, email address, policy number, claim number and loss date along with your request. We will use this additional information to identify you in our system, evaluate your request and to contact you with any related information or decisions. We will also keep a record of your request and submitted information as is required by law. However, we will not use this additional information for any other purposes.
If you wish to use our toll-free number instead or have any questions regarding these rights, please submit your inquiry to Auto-Owners under CONTACT US.
3. California Residents Have The Right to Opt-Out of The Sale of Their Personal Information Maintained By Auto-Owners
Under the CCPA, California residents have the right to opt-out of the sale of their data. However, Auto-Owners does not sell your personal information. Therefore, we do not provide you the ability to opt-out.
4. California Residents Have The Right To Non-Discrimination For The Exercise Of Their Privacy Rights Under The CCPA
Under the CCPA, California residents have the right not to receive discriminatory treatment by Auto-Owners for the exercise of their privacy rights. However, the exercise of certain privacy rights by California residents will make it so that Auto-Owners is no longer able to provide those residents with certain services.
5. California Residents Can Designate An Authorized Agent To Make A Request Under The CCPA On Their Behalf
By completing this AGENCY FORM , California residents can designate an authorized agent to make requests under the CCPA related to the residents’ personal information. Auto-Owners can deny any request made by an agent who does not submit proof that he or she has been properly authorized by the California resident to act on the California resident’s behalf.
If a business engages in the sale of personal information, Nevada law provides Nevada residents the ability to opt-out of the sale of their personal information. However, Auto-Owners has not and does not sell your personal information.
Auto-Owners Insurance Company
Phone: 844-359-4595 (toll free)