State RegulationsNC specificDifficulty 1/5
Under North Carolina's Insurance Information and Privacy Protection Act, an insurer that wants to disclose a customer's personal information collected in connection with an accident and health application generally must first:
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Answer & full 3-part explanation (select an option above, or peek)
Why B is correct
Under Article 39 (G.S. 58-39-5 through 58-39-120), the Insurance Information and Privacy Protection Act governs the collection, use, and disclosure of personal information; as a general rule an insurer may disclose personal information only with the individual's authorization, subject to limited statutory exceptions, and individuals have rights of access and correction.
Why the other options are wrong
- A) The Act protects personal information rather than publicizing it; no newspaper publication mechanism exists in G.S. 58-39-5 through 58-39-120.
- C) The statute routes disclosures through the individual's authorization and defined exceptions; it does not require a 30-day waiting period administered by the Commissioner.
- D) Affiliates are not an unrestricted channel; disclosures, including within an insurance group, fit within the Act's authorization and exception framework.
Memory hook
Privacy Act: my information, my authorization first.