Lavalier’s Use of Consumer Reports

By obtaining a quote or purchasing insurance from Lavalier you are authorizing Lavalier to obtain and use information about you from third party sources. Any such information obtained or used by Lavalier is subject to Lavalier’s Privacy Policy and Terms of Use. If you have questions or complaints regarding our use of consumer reports, Privacy Policy or practices, please contact us at customerservice@lavalier.com. Below are the specific terms to which you hereby agree:

RESIDENTS OF STATES OTHER THAN ALASKA, CONNECTICUT, IOWA, KANSAS, NEVADA, NEW YORK, or WEST VIRGINIA

To offer an accurate quote in connection with this application for insurance, we will use a credit-based insurance score developed by a third party based on information contained in the applicant’s credit report.  Future reports may be used to update or renew insurance.

By proceeding with the quote and/or purchase, I confirm compliance with disclosure requirements.

RESIDENTS OF ALASKA

In connection with this application for insurance, we may review the applicant’s credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We may use this information to decide whether to insure you or how much to charge. We may use a third party in connection with the development of your insurance score.

RESIDENTS OF CONNECTICUT

To offer an accurate quote in connection with this application for insurance, we will review the applicant’s credit report or obtain or use an insurance score based on the information contained in that credit report.  We may use a third party in connection with the development of the applicant’s insurance score.  The company has established an internal appeal process allowing you to provide documentation to establish the existence and duration of personal circumstances justifying that certain adverse credit information not be used.

RESIDENTS OF IOWA

To offer an accurate quote in connection with this application for insurance, we will review the applicant’s credit report or obtain or use an insurance score based on the information contained in that credit report.  We may use a third party in connection with the development of the applicant’s insurance score.  Future reports may be used to update or renew insurance.  The company has established an internal appeal process allowing you to provide documentation to establish the existence and duration of personal circumstances justifying that certain adverse credit information not be used.  To request further information about our internal appeal process, including how to apply for an exception, you may contact us at customerservice@lavalier.com.

RESIDENTS OF KANSAS

To offer you an accurate quote in connection with this application for insurance we will review the applicant’s credit report or obtain or use a credit-based insurance score based on the information contained in that credit report.  We may use a third party in connection with the development of your insurance score.  Future reports may be used to update or renew your insurance.  The company has established an internal appeal process allowing you to provide documentation to establish the existence and duration of personal circumstances justifying that certain adverse credit information not be used.

RESIDENTS OF NEVADA

To offer an accurate quote in connection with this application for insurance, we will review the applicant’s credit report or obtain or use an insurance score based on the information contained in that credit report.  We may use a third party in connection with the development of the applicant’s insurance score.  Future reports may be used to update or renew insurance.  The company has established an internal appeal process allowing you to provide documentation to establish the existence and duration of personal circumstances justifying that certain adverse credit information not be used.  To request further information about our internal appeal process, including how to apply for an exception, you may contact us at customerservice@lavalier.com.

RESIDENTS OF NEW YORK

In connection with this application for insurance, we will review the applicant’s credit report or obtain or use a credit-based insurance score based on information contained in that report.  An insurance score uses information from the credit report to help predict how often you are likely to file claims and how expensive those claims will be.  Typical items from a credit report that could affect a score include, but are not limited to, the following:  payment history, number of revolving accounts, number of new accounts, the presence of collection accounts, bankruptcies and foreclosures.  The information used to develop the insurance score comes from the following consumer reporting agencies: Experian, TransUnion, or Equifax. Future reports may be used to update or renew your insurance.

RESIDENTS OF WEST VIRGINIA

Your credit information is used by Lavalier Insurance Services and/or Berkley National Insurance Company to produce a credit score. This credit score has an effect on the premium that you pay for your insurance. Berkley National Insurance Company is required by the Insurance Commissioner to recheck your credit information no less than once every 36 months for changes. You have the option to request that Lavalier Insurance Services and/or Berkley National Insurance Company recheck your credit score more frequently than once every 36 months, but you can only make this request once during any twelve-month period. If there has been a change in your credit score, Lavalier Insurance Services and/or Berkley National Insurance Company shall re-underwrite and re-rate the policy based upon the current credit report or credit score. The change in your credit score may result in an increase or a decrease in the premium that you pay for your insurance. Any changes in your premium will take place upon renewal if your request is made at least 45 days before your renewal. If the request is made less than 45 days before your renewal date, the insurer shall re-underwrite and re-rate the policy for the following renewal.