If you are located in West Virginia, please read the following: (from application) In connection with this application for insurance, we may review your credit report or obtain or use a credit-based insurance score based on the information contained in that credit report. We may use a third party in connection with the development of your insurance score. If we use a credit-based insurance score, we will recheck your score each year and use the new score to re-rate your policy. A change in your insurance score may result in an increase or decrease in the premium you pay for your insurance. Any change in your premium will take place at the following renewal.