Last updated: November 1, 2021
The California Consumer Privacy Act of 2018 (“CCPA”), which went into effect January 1, 2020, grants a “consumer” (defined as any California resident) certain rights regarding the personal information that has been collected by Western National Mutual Insurance Company or any of its subsidiaries (collectively, “Western”) as listed below:
Using the information that Western has collected about you allows us to align your needs as a customer with our efforts to continually improve your experiences.
We also utilize a tool called “Google Analytics” to collect information about your use of this site. Google Analytics collects information such as how often users visit this site, what pages they visit when they do so, and what other sites they used prior to coming to this site. Google Analytics collects the IP address assigned to you on the date you visit this site, rather than your name or other identifying information. We do not combine the information collected through the use of Google Analytics with personally identifiable information.
As referenced above, cookies are files with small amounts of data, which may include an anonymous unique identifier. Cookies are sent to your browser from a web site and stored on your computer's hard drive.
We do not sell your private information, nor do we make it available to nonaffiliated companies for marketing purposes. We only share your personal information when it is necessary to conduct our insurance businesses, such as utilizing third parties to provide our products and services.
We maintain physical and electronic safeguards to prevent access to your information by people other than employees from Western. We continually assess new technology for protecting information and upgrade our systems when appropriate.
The information below describes specific attributes of CCPA and our privacy policies with respect to it.
The CCPA provides consumers that are California residents with specific rights regarding their personal information. This section describes your CCPA rights and explains how to exercise those rights.
You have the right to request that Western disclose certain information to you about our collection and use of your personal information over the past 12 months. Once we receive and confirm your verifiable consumer request, we will disclose to you:
You have the right to have such information deleted provided that the exceptions laid out by the CCPA do not apply.
You have the right to request that your personal information not be sold to third parties, if applicable.
You have the right to not be discriminated against because these rights were exercised.
As mentioned above, you have the right to request of us to disclose certain information about our collection and use of your personal information. You can exercise this right by submitting a verifiable consumer request to us by either:
Only you, or a person registered with the California Secretary of State that you authorize to act on your behalf, may make a verifiable consumer request related to your personal information. You may also make a verifiable consumer request on behalf of your minor child.
You may only make a verifiable consumer request twice within a 12-month period. The verifiable consumer request must:
We cannot respond to your request or provide you with personal information if we cannot verify your identity and confirm the personal information relates to you.
Making a verifiable consumer request does not require you to create an account with us. However, we do consider requests made through your password protected account sufficiently verified when the request relates to personal information associated with that specific account.
We may collect certain information about you in the operation of our business (such as underwriting a risk to charge a fair premium, fairly evaluate a claim and/or allow for premium payments). The personal information collected with the last 12 months generally falls into one of the categories below:
Sources of the personal information that we collect, primarily come from what you voluntarily provide us (for example when completing an insurance application, providing information on a claim and setting up/making premium payments).
We may use or disclose the personal information for one or more of the following business purposes:
We do not sell or make available your private information to nonaffiliated companies for marketing purposes. We only share information when it is necessary to conduct our insurance business.
Information may be disclosed to insurance support groups that provide data for underwriting and claims purposes. In addition, information may be shared with adjusters, attorneys, auditors, agents or others that we retain to work on your or our behalf or by individuals that you retain, such as body shops or contractors, to work on your behalf. We may disclose claim information to other insurers or other parties during the handling of claims, during litigation surrounding those claims or after claims have been resolved to the extent permitted by law.
This policy is effective January 1, 2020 and will remain in effect except with respect to any changes in its provisions in the future, which will be in effect immediately after being posted on this page.
We reserve the right to update or change this policy at any time and you should check this policy periodically.