We collect personal, credit, and property information from you, from transactions and interactions between you and us, including on the internet, and from third parties like credit reporting agencies, departments of motor vehicles, and other data collection agencies.
We secure and safeguard your personal and credit information.
What type of information does Direct General collect about me?
We may collect information, including personal and credit information, about you when you obtain an insurance quote, apply for one of our products, use one of our services, or obtain other information from us. Depending on where you live and your transaction with us, the types of information we may collect could include: your name, marital status, date of birth, the names and dates of birth of other persons in your household, address, telephone number, social security number, driving records, the types of vehicles you drive and records about those vehicles, health information, income and tax data, employment, credit and/or criminal conviction history, bank information, lienholder information, information about other insurance you have or have had, and/or your e-mail address.
Where do you get the information about me?
We collect information about you from telephone conversations with you; applications or other forms you provide us; from your transactions with our affiliates, others, or us, such as claims and premium finance information; from state agencies, such as state departments of motor vehicles; and from consumer reporting organizations, such as the national credit bureaus; and from other data collection agencies that provide information about you, your claims history, and the history of the property you want to insure. We also collect information about you when you visit our website. We do not collect personal or credit information about you unless you consent or we are otherwise permitted by law to obtain it.
What if I visit, get a quote, or buy insurance through Direct General's website?
In addition to the information described above, when you visit our website we will record various data that will help us better understand how our visitors use our site and better serve our customers. This data includes, but is not limited to: the IP address of the computer you are using, browser and platform types, domain names, access times, how you linked to our website, and how you navigated through our website.
We may use tools such as cookies, web beacons and other technologies on our website which support site tracking and your transactions with us, measure our website performance, and facilitate product marketing. These technologies do not contain any of your personal or credit information, and they will not damage your computer. We use industry standard encryption techniques when using these technologies so your security is not compromised. In order to make maximum use of our website, you will need to receive cookies.
We may use tools such as cookies, web beacons, and other technologies on our website which support site tracking and your transactions with us, measure our website performance, and facilitate product marketing. We may also use a website recording services which may record mouse clicks, mouse movements, page scrolling, and any text keyed into website forms. Data collected by this service may be used to verify form content as well as to improve our website usability. The information collected is stored and used for aggregated and statistical reporting. We will not share this information except as permitted or required by law. These technologies do not contain any of your personal or credit information, and they will not damage your computer. We use industry standard encryption techniques when using these technologies so your security is not compromised. In order to make maximum use of our website, you will need to receive cookies.
We use a third-party service provider to serve advertising on our behalf across the Internet and sometimes on our website. They or we may collect anonymous information about your visits to our website, and your interaction with our products and services. Anonymous information is not personally identifiable and includes things like the pages you visited and the duration of your visit on the website. They may also use information about your visits to this and other Web sites to target advertisements for goods and services. This anonymous information is collected using a pixel tag, which is industry standard technology used by most major web sites. If you would like more information about this practice and to know your choices about not having this anonymous information used by our third party service provider, please visit or click: HERE. You can opt out of having your anonymous information collected by our customizing service by visiting http://optout.netmng.com/optout.php. If you select the "opt out" button there, we will delete or cause to be deleted your existing netmining.com cookie(s) and try to place a new cookie that instructs us not to track your future activities when we detect that cookie. If your browsers are configured to reject cookies when you visit our opt-out page, we cannot set our no-track cookie. Also, if you erase your cookies, use a different computer, or change web browsers, you will need to opt-out again.
If you have provided us with your email address, we may send you communications and materials about other products, services and features we offer that we think will be of interest to you and to confirm transactions you have had with us. If you do not wish to receive these types of communications or materials from us, you can click the "unsubscribe" link that will appear in the email or otherwise instruct us by writing to: Direct Auto Insurance - Attn: Director Off-Line Media (Email) 1281 Murfreesboro Road, Nashville, TN 37217.
How does Direct General use the information about me?
As a general matter, we use your personal and/or credit information to: help underwrite and provide accurate insurance premium rate quotes; provide insurance claim services; provide premium financing services; provide or offer other financial and consumer products and services; to provide, maintain and improve customer service; and to comply with state and/or federal laws and regulations.
Who else might receive or use the information that I provide to Direct General?
Our affiliated companies, including those under the National General Group may share information about you with each other. We may also share your personal information with unaffiliated third parties. However, we do not disclose any information about our customers or former customers to anyone, except as permitted or required by law. These disclosures are generally described as:
Among our Group of Companies: Companies within the Direct General Group and under the National General umbrella may share information about our current and former customers, including information that: identifies you; describes our transactions and experiences with you (such as your payment record, your prior insurance history, and claims history), and credit information that helps us determine your eligibility for insurance, payment plans and/or premium financing. Direct General provides a variety of products and services through several separate companies. To provide you with improved service and inform you of product opportunities that may be available to you, the companies within our group may share such information about you among themselves. For example, some of our affiliated companies share or receive information to provide technical or operational support services - such as to prepare notices concerning your insurance policies or accounts with us or to provide data processing services. In addition, insurance policy information may be shared to assist in resolving a claim on your policy. Our affiliated companies may provide you information about other insurance products and non-insurance consumer products and financial services offered by them directly or through them acting as an agent on behalf of another organization.
Outside our Group of Companies: To rate your policies we may provide information about you to consumer reporting agencies and other data agencies such as those that provide credit information, claims history, motor vehicle records and vehicle history data. To better serve you, we sometimes contract with outside vendors who provide various services, such as printing and mail services, on our behalf. These third parties agree to safeguard and keep confidential our personal information about you and the products and services that you obtain from us. Those parties are required by law to restrict the use and disclosure of your personal information.
In addition, we may provide personal information about current and former customers to other third parties who have a legitimate need for the information. These may include, for example, insurance agents, third party claims adjusters and investigators, actuarial consultants, reinsurers, governmental agencies, courts, and law enforcement authorities. We may also provide personal information to insurance industry statistical reporting organizations, but individual identities will not be revealed through such statistical reports.
From time to time, we may also contract with parties outside our affiliated group so we can make available certain financial and other consumer products and services to our current and former customers. For example, we may enter into joint marketing agreements with financial institutions, like banks, lending companies, tax return preparers or processors, or money transfer providers to make available the various financial products and services they provide. We may also enter into joint marketing agreements with other types of businesses such as grocery stores and phone companies so they or we can give you information or special offers about the products and services those businesses offer. In those cases, we may disclose to those companies the types of information we collect about our current and former customers as described in response to the first question above, (but not any health or credit information, driving records, social security numbers, bank account, or credit card information). The companies we work with would be subject to confidentiality agreements with us as well as other legal restrictions on using your nonpublic information that apply to them.
Do I have a choice regarding the use and distribution of information about me among Direct General affiliates or with unaffiliated third parties?
Yes, you have the right to prevent our sharing information about you in certain circumstances; such as, marketing in connection with our agreements with nonfinancial companies. But there are circumstances where we are lawfully allowed or required to share information about you. These circumstances include but are not limited to: among our affiliates, for example, if the information relates to your identification (such as your name and address) or to your transactions and experiences with us (such as your payment record and claims history); with a third party, for example, if it is necessary to provide services to effect, administer or enforce a transaction requested by you; with any of our affiliated companies that provide such services to you; with a third party financial institution under a joint marketing agreement; with regulatory authorities; and when otherwise required by law or legal process. In those circumstances, it is our policy to share your information only to the extent required or allowed by law.
Sharing credit information among affiliates. If you choose to, you can instruct us not to share among our affiliates certain credit information about you contained in consumer reports such as your credit history. If you prefer that we not share your credit information among our affiliated companies (unless the information is otherwise required or allowed by law to be shared), then please call us toll-free at 1-877-GO DIRECT (1-877-463-4732) with your specific instructions.
Sharing personal information with third parties or among our affiliates. If you prefer that we not share your personal information with third parties or among our own affiliated companies (unless the information is otherwise required or allowed by law to be shared), then please call us toll-free at 1-877-GO DIRECT (1-877-463-4732).
In either case, please have all of your relevant account numbers available when you call, including but not limited to your insurance policy number(s), claim number, premium finance account, memberships, or other account numbers. If you are a new customer, please allow five (5) business days after the date of your transaction with us before you call. You understand that if you call and ask us not to share your credit information or your personal information, you may not receive valuable information about financial and other consumer products and services (possibly including certain types of discounts on, or other special offers related to, non-insurance products and services) that could be of interest to you and your family.
If I ask you not to share my information, how does this affect joint accounts, joint policyholders, and other persons covered under any of my policies?
One joint account holder or policyholder can bind the decision not to share on joint accounts and insurance policies, including other covered persons. For example, if you and your spouse are joint insureds on an auto policy and you choose not to share, your decision will bind your spouse only for the joint accounts or joint policies. Individual accounts and policies of a spouse will not be affected by the other spouse's decision not to share information with respect to their individual accounts and policies.
How do you maintain the confidentiality and security of my personal and credit information?
We maintain physical, electronic, and procedural safeguards that comply with industry standards to protect your personal and credit information.
For internet users, we use a secure server and security protocol to safeguard the information you provide during the purchase and payment processes. Our secure server implements the Secure Sockets Layer (SSL) protocol and 128-bit encryption for when you interact with us including when you provide personal information during the purchase and payment processes. This technology encrypts your information so a third party cannot read the information while in transit. We use the digital certificate services of VeriSign so you can be confident knowing you are transacting your business with Direct General.
Even with safeguards and security measures, you should still exercise discretion with respect to the submission of any personal or financial information over the internet, particularly via email which is never completely secure. We cannot guaranty the security or confidentiality of email communications, so if you are concerned about the security of those communications, you can always send your correspondence through the postal service or use the telephone to speak directly to us.
How will Direct General correct inaccuracies in my information?
It is important to us that all information about you in our files is accurate. You can help us by providing up-to-date information and notifying us of any inaccuracies in your information. You can notify us by writing to our Customer Service Department 15151 Florida Boulevard, Baton Rouge, Louisiana, 70819; or by calling our Customer Service Department at 1-877-Go Direct (1-877-463-4732). Please include all of your relevant account numbers including but not limited to your insurance policy number(s), claim number, premium finance account, memberships, or other account numbers when you write, or have these numbers available when you call.
I'm concerned about my information security and identity theft. What can I do to improve my security?
Following are just a few examples of how you can improve your information security and guard against identity theft. For more information you can visit the Federal Trade Commission's website at www.ftc.gov.
- Install anti-virus, firewall and anti-spyware software and keep those and your operating system up to date.
- Keep your User ID and PIN or password confidential. Utilize a PIN or password unique to you and, if possible, change it frequently.
- Make sure others are not watching you enter your User ID, PIN or password.
- Do not leave your computer unattended while logged onto your secured site and log off when you are finished transacting your business.
- Use caution before answering email requests for your personal information.
- Do not enter personal information in an email or pop up. Direct General will never ask you to disclose your account information or personal information in an unsolicited email.
- Be aware of your billing cycles and shred documents that contain personal information such as your account numbers and credit card offers with your name and address.
- If you suspect identity theft or fraud on your Direct General account, notify us and your local law enforcement agency.
We hope that this information has answered any questions you may have about why we need to collect certain information about you and how we strive to protect that information. Maintaining your trust and confidence is an important part of our commitment to providing superior customer service to you.
Companies in the Direct General Group are direct and indirect wholly owned subsidiaries of National General Holdings Corp. National General Holdings Corp., headquartered in New York City, is a specialty personal lines insurance holding company. National General traces its roots to 1939, has a financial strength rating of A- (excellent) from A.M. Best, and provides personal and small business automobile, homeowners, umbrella, recreational vehicle, motorcycle, lender-placed, supplemental health and other niche insurance products.
1 Also doing business as Direct Auto InsuranceSM, California d/b/a Direct Auto Insurance Agency
2 California d/b/a Easy Auto Insurance Agency
3 Also doing business as Direct Tax ServicesSM