Loss or damage under this Policy shall be paid, as interest may appear, to you and the loss payee shown in the Declarations of in this endorsement. This insurance, with respect to the interest of the loss payee, shall not become invalid because of your fraudulent acts or omissions unless the loss results from your conversion, secretion or embezzlement of "your covered auto". However, we reserve the right to cancel the Policy as permitted by policy terms, and the cancellations shall terminate this agreement as to the loss payee's interest. We will give the same advance notice of cancellation to the loss payee as we give to the named insured shown in the Declarations. When we pay the loss payee, we shall, to the extent of payment, be subrogated to the loss payee's rights of recovery.
In the course of doing business with The FB Insurance Company, its employees, agents, affiliates and subsidiaries, you share personal and financial information with us. We treat this information as confidential and recognize the importance of protecting access to it.
We collect non-public personal information about you. You may provide information when communicating or transacting with us in writing, electronically or by telephone. Information, such as your name, address and date of birth, may come from applications, requests for forms or other literature, or from your transactions and account positions with us, our affiliates or others. On occasion, we may also acquire information from other sources, such as consumer reporting agencies.
We do not disclose any non-public personal information about current or former customers or consumers to anyone, except as permitted by law. We do not disclose it to third parties unless necessary to process a transaction, service an account, or as otherwise provided by law. We may share information within The FB Insurance Company in the course of providing or offering products or services to best meet your insurance needs. In addition, your insurance agent, and other personnel authorized to assist your agent, have access to the personal information needed to administer your business and provide services to you. They may also use this information to advise you of additional insurance products and services.
We maintain physical, electronic and procedural safeguards to protect your personal information. Access to such information is restricted to those who need it to perform their jobs, such as servicing your accounts, answering inquiries, or informing you of new products or services. Finally, we inform all employees and agents, that customer information must be held in strict confidence.
This privacy policy applies to the following: The FB Insurance Company, Kentucky Farm Bureau Mutual Insurance Company, the Kentucky Farm Bureau Insurance Agency, LLC, and your insurance agent.
The material contained on our sites is provided for general information purposes only. They are not intended to be a solicitation or an offer to sell in connection with any product or service. The information provided is not a complete description of all terms, conditions and exclusions applicable to the products and services described. For a complete description of the terms, conditions and exclusions of insurance coverages PLEASE READ YOUR POLICY CAREFULLY. The actual terms, conditions, and exclusions of the policy control. Additionally, contact your insurance agent with any questions regarding any coverage or other products or services described.
The material on our sites is provided on an "as is" basis without any warranties of any kind that the material is suitable for your needs, error free or otherwise. The FB Insurance Company does not make any express or implied warranties, representations or endorsements whatsoever, including without limitation warranties: (1) of title or noninfringement; (2) of implied merchantability; (3) that the material is of any particular level of quality; (4) that the material is fit for a particular purpose; (5) that the functional elements contained in the material will be uninterrupted or error-free; (6) that the defects will be corrected; (7) that our sites, or the servers that make them available are free of computer viruses, worms, Trojan horses, or other code, components or conditions that are harmful, contaminating or destructive; or (8) that information contained in the sites is accurate as of any particular date.
The FB Insurance Company will not be responsible for any damages or illness, including but not limited to consequential or incidental damages that accompany or result from your use of its sites. These include, but are not limited to, damages or injury caused by any: (1) use of (or inability to use) the sites; (2) use of (or inability to use) any site to which you hyperlink from our sites; (3) failure of performance; (4) error; (5) omission; (6) interruption; (7) defect; (8) delay in operation or transmission; (9) computer virus; or (10) line failure. We are not liable even if we have been negligent or if we have been advised of the possibility of such damages.
However, our liability to you for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you have paid to access our sites.
Unless otherwise specified, the materials in our site are presented solely for the purpose of promoting The FB Insurance Company and its financial products and services. The FB Insurance Company controls and operates its sites from its home offices located in Louisville, Jefferson County, Kentucky. Any action or suit concerning The FB Insurance Company sites shall be brought in a court of competent jurisdiction in Jefferson County, Kentucky. Kentucky law shall govern and control any such action.
We obtained the following consumer report(s) while completing your insurance premium estimate/application from Verisk: Verisk Analytics, Coverage Verifier, and A-PLUS Auto.
The Fair Credit Reporting Act requires us to notify you if information from your consumer report(s) adversely affects you.
Although the information from your consumer report(s) may not affect your insurance premium at the current time, it affects your underwriting status with is and may affect your premium in the future.
You have the right to obtain a free copy of your consumer report(s) and to dispute the accuracy or completeness of any information in the report(s). To request your free copy of your consumer report(s) or to dispute the information contained in the report(s) with Verisk, the consumer reporting agency that provided the reports to us, please contact Verisk directly. The address for Verisk Underwriting Solutions is Consumer Inquiry Center, 1000 Bishops Gate Blvd., Suite 300, P.O. Box 5404, Mt. Laurel, NJ 08054-5404, or you may call the toll-free number: 1-800-709-8842. To obtain a free copy of your consumer credit report from Equifax you may contact them at 1-800-846-5279 or visit myequifax.com. You must request your free copy of your consumer report(s) within sixty (60) days of the date of this notice.
Companies make business decisions using information provided by Verisk. Verisk did not make the decision to take the adverse action and is unable to explain the specific reasons the adverse action may have been taken.
Within sixty (60) days, you may request, in writing, a reasonable exception to our underwriting rules, placement or rates if your credit has been directly influenced by an extraordinary life circumstance.