(Last updated August 4, 2015)
This Snapshot Privacy Statement applies if you participate in the Snapshot® program by providing driving data from a source other than our Snapshot device, such as data gathered by your vehicle’s manufacturer or from a device or mobile app supplied by another party. The Snapshot Privacy Statement for participating in the program using a Snapshot device can be found at progressive.com/auto/snapshot-privacy-statement/.
Your Driving Story
Snapshot allows you to get a personalized car insurance rate based on how you drive. While we still take into account traditional factors in providing your quote or determining your rate, like the type of vehicle you drive and previous accidents or traffic violations, Snapshot also considers your actual driving behavior.
We offer Snapshot because it allows you to tell us your driving story and allows us to give you an accurate insurance quote or rate using the latest technology. Knowing more about your actual driving behavior allows us to more accurately predict whether you'll have an accident, which is better for us, and helps you to control your insurance premium, which is better for you.
Data Provided to Us
Your driving data is collected by others and provided to us with your consent. The driving data includes vehicle speed and time information, and odometer readings. Other information, such as miles driven and rates of acceleration and braking, is derived from the speed and time information.
How We Use the Data
Snapshot focuses on things like how safely, how much, and when you drive. Personally identifiable Snapshot data is treated as Application Information under our standard Privacy & Security Policy. It is used to calculate your Snapshot score, which, along with other traditional rating factors, is used to determine your insurance quote or the rate you will pay when your policy renews.
Snapshot data is encrypted when transmitted to us. Once in our servers, we limit access to the data and use physical, electronic, and procedural safeguards to help protect it and your privacy.
How We Won't Use the Data
- We will not sell personally identifiable Snapshot data to any third parties.
- We will not use Snapshot data to resolve an insurance claim you have with us without first obtaining permission from you or the vehicle owner.
When We May Disclose the Data to Others
We will not share personally identifiable Snapshot data with any third parties, unless it's necessary or appropriate to service your insurance policy, detect or prevent fraud, perform research, or comply with the law. For example, such data may be disclosed:
- when we're legally required to provide the data, such as in response to a subpoena in a civil lawsuit or by police when investigating the cause of an accident;
- to a state department of insurance to support renewal rates;
- to service providers who are contractually required to maintain its confidentiality; and/or
- as otherwise required by law.
We may share de-personalized Snapshot data more broadly. De-personalizing the data means that we remove personally identifiable information so that the data cannot be associated with a particular driver or policyholder.
It's Completely Voluntary
We hope this helps you better understand Snapshot. Remember, enrollment in Snapshot is completely voluntary.
Let us know if you have any questions or comments about Snapshot.