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This Electronic Communication Disclosure Form (“Disclosure”) applies to those communications, forms, disclosures, and notices (“communications”) that are required to be given to you in connection with the insurance product(s) you have purchased from a Main Street America Insurance subsidiary (or subsidiaries). By agreeing to the Terms and Conditions of this disclosure, you are agreeing to receive these communications electronically. We may modify these Terms and Conditions at any time, at our discretion. Your continued election to receive electronic delivery of communications, after the Terms and Conditions have been modified, means you also accept those modified terms. A current version will be viewable in My Account, and you will be notified when these Terms and Conditions are modified. If you do not accept these Terms and Conditions, or any future modifications thereof, you may withdraw your consent at any time.
In order to select electronic delivery of communications, you understand that you must sign up for and maintain an account through My Account at https://myaccount.msainsurance.com. All electronic communications will be accessed through My Account at https://myaccount.msainsurance.com.
As used throughout this Disclosure, “I”, “you” and “your” means the person or persons listed as named insureds on a policy. “We”, “us” and “Company” means the specific underwriting company identified in your quote, application and the documents we provide to you, including your insurance policy.
Your legal rights. We are required by law to provide specific communications to you in connection with the insurance product(s) you have purchased from us. You may choose to receive these communications from us electronically if we first provide you with this Disclosure and obtain your consent to receive these communications electronically. Your consent will apply to all named insureds listed on your insurance policy(ies), for which you have requested electronic delivery. While we may occasionally provide some communications to you in paper form, you must agree to receive communications from us electronically and you must have the appropriate hardware and software (see #5) available to you to receive this information from us electronically. You acknowledge and agree that your consent to electronic communications is being provided in connection with a transaction involving interstate commerce, which is subject to the Federal Electronic Signatures and National Commerce Act. You further acknowledge and agree that both you and we, and any other insureds to whom this Disclosure may apply, intend the Act to apply to the fullest extent possible in order to validate our ability to conduct business with you by electronic means.
Scope of communications to be provided in electronic form. The types of electronic communications that you are consenting to receive, acknowledge, respond to, and/or sign include, but are not limited to, the following: a) all legal and regulatory disclosure forms, notices, and communications associated with the purchase, renewal, change, and/or maintenance of your insurance policy(ies) as determined by the company, and permitted by law; b) all company related forms, notices, and communications associated with the purchase, renewal, change, and/or maintenance of your insurance policy as determined by the company and permitted by law; and c) all required forms, notices and/or disclosures relating to policy limits, coverage choices, selections and/or rejections, including, but not limited to, disclosures, notices, or forms related to the acknowledgement, selection and/or rejection of coverage.
Setting your electronic communications preferences. Not all policy types may be eligible for electronic delivery. If you select electronic delivery, each eligible policy within your account will be enrolled in electronic delivery. In other words, your electronic communication preferences apply to each and every policy(ies) under your account, which are eligible for electronic delivery. You will not be able to set your electronic delivery preferences by each individual policy. Only you will be able to set or change your preferences for electronic delivery, and your preferences must be made through My Account. Neither the Company nor your agent will have the ability to set or change your preferences for you.
Types of communications you will receive in paper. Anything legally required to be sent to you in paper form will be sent to you in paper form, but may also be available electronically. Additionally, we reserve the right to provide a paper (instead of electronic) copy of any communication you have authorized us to provide electronically, in the event our electronic delivery system is unavailable.
Hardware and software requirements. In order to access, view, and retain electronic communications that we make available to you, you must have access to a personal computer with internet connectivity, and at least one of the following:
For Windows Operating System:
Browsers: Use current version of Internet Explorer, Firefox or Google Chrome
Portable Document Reader: Use current version of Adobe Acrobat Reader
For Macintosh Operating System:
Browsers: Use current version of Safari
Portable Document Reader: Use current version of Adobe Acrobat Reader
You must also have:
A valid e-mail account with an e-mail service provider. It is your responsibility to provide us with a true, accurate and complete e-mail address.
Sufficient electronic storage capacity on your computer’s hard drive or other data storage unit, if you want to save any electronically delivered documents.
A printer capable of printing web content or PDF documents, if you want to locally print any electronically delivered documents from your computer.
How to withdraw your consent to these Disclosures. You may withdraw your consent to receive communications electronically, or change your electronic delivery preferences for your policy(ies) at any time by updating your electronic delivery preferences in My Account. If you choose to withdraw your consent to receive communications electronically, all documents related to your insurance policy(ies) will be sent to you by U.S. mail beginning with the next transaction processed on your policy after you withdraw consent. Any discounts applied to your policy(ies) that are based entirely, or in part, on your consent to receive communications electronically will be removed at the next renewal of your policy after you withdraw consent. All named insured on the policy must withdraw consent from electronic delivery of document to receive communications via U.S. mail.
Requesting paper copies of communications. You can obtain a paper copy of any communication we provide to you electronically by printing it locally, or by requesting that we mail you a paper copy. To request a paper copy, please contact your agent. Requests for paper copies must be made within a reasonable time after we first provide the electronic communication to you. There is no charge associated with requesting a paper copy of a communication we sent you electronically. Absent specific request or as provided in Section 4, we will not send you a paper copy of these electronic communications.
All communications deemed to be in writing. All communications we send to you, whether in electronic or paper format, are considered to be made “in writing.” All electronic communications, including this Disclosure, are available within My Account for you to download and print if you choose to do so.
Updating your contact information. We will provide notice of activity on your account through your e-mail. It is your responsibility to ensure that your current e-mail is included within your contact information in My Account. Neither the Company nor your agent will be able to change your e-mail contact information on your behalf. In the event we experience multiple e-mail attempts returned as undeliverable by your service provider, we reserve the right to interpret these events as a withdrawal of your consent for electronic communications.
All documents deemed delivered to you. You understand and agree that any electronic communications located within My Account are deemed provided to you and received by you, even if you 1) do not maintain current e-mail or contact information with us; and/or 2) do not actually view or download the communications.
My Account. It is your responsibility to maintain an active My Account at https://myaccount.msainsurance.com to access policy related documents. If you disable your account, we will discontinue electronic delivery of documents and change your delivery method to paper.
Retain copies for your records. It is your responsibility to make a paper copy of any communications delivered to My Account, if you want to retain for your own use. Documents for active policies will be available for view or print in My Account for a period of one year. Older documents for active and inactive policies will be archived according to Company document retention policies, and are available on request through your agent, depending upon the retention policy.
Simplify your life by going paperless. Qualifying policies receive a discount by opting for this preference!
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