Normas sobre la privacidad y uso de información en seguros

Explicación Simple

Esta ley ayuda a que las compañías de seguros no usen tu información personal sin tu permiso. También te permite saber qué datos tienen sobre ti y corregir cualquier error.

Es como cuando prestas tu libro favorito a un amigo; quieres asegurarte de que lo cuiden y te lo devuelvan en buen estado. Esta ley asegura que las compañías de seguros cuiden tu información personal.

Ejemplo Práctico

Imagina que Ana solicita un seguro de auto. Gracias a esta ley, puede pedirle a la compañía de seguros que le muestre qué información tienen sobre ella. Si encuentra un error, puede corregirlo antes de que la aseguren.

Texto Original del Estatuto (Inglés)

Insurance Code - INS DIVISION 1. GENERAL RULES GOVERNING INSURANCE [100 - 1879.8] ( Division 1 enacted by Stats. 1935, Ch. 145. ) PART 2. THE BUSINESS OF INSURANCE [680 - 1879.8] ( Part 2 enacted by Stats. 1935, Ch. 145. ) CHAPTER 1. General Regulations [680 - 1113] ( Chapter 1 enacted by Stats. 1935, Ch. 145. ) ARTICLE 6.6. Insurance Information and Privacy Protection Act [791 - 791.29] ( Article 6.6 added by Stats. 1980, Ch. 1214, Sec. 1. ) 791. The purpose of this article is to establish standards for the collection, use and disclosure of information gathered in connection with insurance transactions by insurance institutions, agents or insurance-support organizations; to maintain a balance between the need for information by those conducting the business of insurance and the public’s need for fairness in insurance information practices, including the need to minimize intrusiveness; to establish a regulatory mechanism to enable natural persons to ascertain what information is being or has been collected about them in connection with insurance transactions and to have access to such information for the purpose of verifying or disputing its accuracy; to limit the disclosure of information collected in connection with insurance transactions; and to enable insurance applicants and policyholders to obtain the reasons for any adverse underwriting decision. (Added by Stats. 1980, Ch. 1214, Sec. 1. Applicable October 1, 1981, as prescribed by Section 791.01.)