Privacy Statement
Insurance companies and agencies routinely obtain a variety of information provided by customers, various claimants, medical providers, and other third parties. It is the policy of The Lighthouse Insurance Group, Inc. to maintain an appropriate level of confidentiality for all the information we collect by restricting access to that information. We also maintain appropriate physical, electronic, and procedural safeguards to protect such information from unauthorized access.

Insurance companies and agencies must necessarily obtain and process different kinds of information. For example, underwriters cannot evaluate individual risks without information regarding the individual insured's loss experience, safety practices, and so forth; and claims cannot be administered without information regarding the nature and extent of damage incurred, including relevant medical information.

Much of the information we obtain is public and not personal or sensitive in nature. We believe that those who entrust us with nonpublic personal information do so with the reasonable expectation that we will use the information only for insurance related purposes.

We are concerned about protecting the privacy of our customers and the other individuals with whom we interact, and have taken steps to protect the confidentiality of the nonpublic personal information that we obtain. We obtain information from many sources. Customers provide us with information we need as part of the insurance application or evaluation process. We may also request reports from various sources in connection with applications for insurance and/or any renewal of such insurance. The kind of information we collect depends upon the type of policy, but may include such things as automobile motor vehicle reports, loss and claim reports, risk management reports, financial rating reports and property inspections, and other information. We also may receive and verify information from government agencies or independent reporting companies to help us correctly rate and properly underwrite a particular insurance risk.

We maintain detailed claim files which contain information about the claim and the claimant, including accident reports, wage information, medical reports bearing on the claim, and evidence relating to the validity or eligibility of the claim. We obtain such information from claimants, their employers, their medical providers, and other generally reliable sources. We cannot administer claims or pay benefits without appropriate access to such information.

The Lighthouse Insurance Group, Inc. obtains personally identifiable medical information only in connection with underwriting specific insurance policies or administering claims under those policies. We will not use or share with third parties personally identifiable medical information for any purpose other than the underwriting or administration of a policy, claim, account or program, or as otherwise disclosed to the subject when the information is collected, except as may be permitted by applicable law.

It is our policy is to limit access to nonpublic personal information to those who need it in order to serve our own and our customers' insurance business needs, to administer claims, and to maintain and improve customer service, We do not disclose non public personal information to third parties except as necessary to conduct business, e.g., processing claims, or as permitted or required by law.

The Lighthouse Insurance Group, Inc. retains the information it has collected for various periods established by the records retention policies of the Company. Except as permitted or required by law, we will not disclose nonpublic personal information about a person without that persons' consent. We may, without prior permission but only to the extent permitted by law, provide information contained in our records and files to certain persons or organizations which are fundamental to the insurance services we provide, such as:
  • Our customer;
  • Our affiliated property and casualty insurance companies;
  • Independent claim adjusters, medical examiners, vocational counselors, attorneys or investigators, when appropriate;
  • Companies that provide insurance related services to or on the behalf of The Lighthouse Insurance Group, Inc., such as claim administration, medical review or treatment, and pharmacy network services;
  • Persons or organizations that conduct research for or on behalf of the insurance industry, including actuarial or underwriting studies;
  • Insurance support or rating organizations or, at our customers' request, insurers; and
  • To appropriate entities as necessary to prevent fraud or to properly underwrite a risk.

Also, on some occasions, we may be required to share this information:

  • With state insurance departments or other governmental agencies, to the extent required by federal, state, or local laws;
  • If ordered by a summons, court order, search warrant, or subpoena; or
  • To protect our own legal interests, or in case of suspected fraud or other illegal activities.
Latrobe
(724) 532-5500
Monessen
(724) 684-5900
Lower Burrell
(724) 335-2440
Castle Shannon
(412) 563-2115