Supreme Court has sided with insurance companies - they dont have to inform their customers when they pull their customers' credit reports UNLESS it results to a higher premium.
Insurance companies claim FICO and credit reports are factors they use in their proprietary models. However, they also claim it is highly co-related that a poor FICO and possible insurance fraud related to filing claims.
I am too lazy to google - the case was decided not too long ago, insurance companies won.