Terms Of Use

Our Privacy Statement and our California Privacy Policy describe our use and protection of nonpublic personal information (“customer information”) and will help you understand how we treat the customer information that we obtain from you or other sources in the course of providing you with products and services. We urge you to read our Privacy Statement and, if applicable to you, our California Privacy Policy.

Our site and all of its content are provided "as is" and without warranties or representations of any kind, either express or implied. This means that we disclaim all express and implied warranties, including but not limited to: the material is of any particular quality or is fit for a particular purpose; that the site and/or content will be available to you; that you will qualify for offered products or services; the site, content or any emails sent by us are free of viruses or other harmful components or software; failure of performance; omission; that the functional elements contained in the materials will be uninterrupted or error-free; or that information contained in the website is accurate as of any particular date. We reserve the right to change or terminate all or part of our website at any time without notice. Certain states do not allow the disclaimer of implied warranties. If you are in such a state, the above disclaimer or a portion of it, may not apply to you.

Limitation of Liability

 

To the extent permitted by law, we will not be responsible for any loss, claim, damages, or injuries that accompany or result from your use of our website whether based in contract, tort, strict liability, or otherwise. These include, but are not limited to, damages or injury caused by any: use of (or inability to use) the website; use of (or inability to use) any site to which you hyperlink to or from this website; failure of performance; error; omission; interruption; defect; delay in operation or transmission; computer virus; or communication line failure. We are not liable for any consequential or incidental damages, which are damages intended to compensate someone directly for a loss or injury, damages reasonably expected to result from a loss or injury, or other miscellaneous damages and expenses resulting directly from a loss or injury. Furthermore, except as provided below, we are not liable even if we have been negligent or if our authorized representatives have been advised of the possibility of such damages - or both.

In certain states where the law may not allow us to limit or exclude liability for incidental or consequential damages, the above limitation may not apply. In any event, our liability for all losses, damages, injuries and claims of any kind, whether the damages are claimed under the terms of a contract, or they are claimed to be caused by negligence or other wrongful conduct or any other legal theory, will not be greater than the amount you paid to access our website.

Bulk E-mail and Other Prohibited E-mail

The Direct Auto Insurance computer network (which includes, but is not limited to, the technology and applications which support the e-mail functionality Direct Auto Insurance provides its officers, employees, independent contractor agents, and other authorized users) is the private property of Direct Auto Insurance.

Direct Auto Insurance prohibits any bulk e-mail transmissions to be sent, or caused to be sent, over the Internet to directauto.com e-mail addresses unless Direct Auto Insurance, through one of its officers, has specifically requested or authorized the sending of such bulk e-mail. For purposes of these Terms of Use, the word "bulk" shall mean an e-mail message, or group of identical or similar e-mail messages, sent to more than 20 different directauto.com addresses in any 24-hour period.

Direct Auto Insurance also prohibits any e-mail transmissions of the following types to be sent, or caused to be sent, over the Internet to more than 5 different directauto.com e-mail addresses in any 24-hour period unless Direct Auto Insurance, through one of its officers, has authorized the sending of such e-mail: (1) commercial advertising; (2) informational announcements; (3) political or religious tracts; or (4) solicitations for funds or donations.

Direct Auto Insurance prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any directauto.com e-mail addresses if the e-mail is intended to, or appears intended to, harass, embarrass, threaten, defame or impersonate any person, or if the e-mail is pornographic, offensive, indecent, discriminatory or offensive on the basis of sex, color, national origin, race, age, religion, sexual orientation or disability.

Direct Auto Insurance prohibits any e-mail transmission to be sent, or caused to be sent, over the Internet to any directauto.com e-mail address that makes use of a forged header or deceptive addressing, or which attempts in any manner to disguise the source of the e-mail.

Direct Auto Insurance prohibits the harvesting or collection of the e-mail addresses of Direct Auto Insurance agents and/or personal financial representatives from the directauto.com web site for the purpose of sending bulk e-mail to directauto.com e-mail addresses.

Direct Auto Insurance reserves the right to take all legal and technical steps available, including pursuing civil remedies and criminal prosecution, to prevent bulk or other prohibited e-mail from entering, utilizing or remaining within the Direct Auto Insurance computer network.

Nothing in this policy is intended to grant any right to transmit or send e-mail to, or through, the Direct Auto Insurance computer network. Direct Auto Insurance's failure to enforce this policy in every instance in which it might have application does not amount to a waiver of Direct Auto Insurance's rights.

Third-party websites:

This site may contain links to other Internet sites ("third-party sites") that are not controlled or maintained by Direct Auto Insurance. These links are provided as a convenience to visitors to our site. We are not responsible for and make no warranties or representations, express or implied, about the contents, accessibility, privacy policies, or products or services offered by any third-party sites nor do we approve, endorse or certify information available at any third-party site or linked addresses contained herein.

Copyrights and Trademarks

Except where otherwise indicated, all materials contained in this website are the proprietary and copyrighted property of Direct Auto Insurance, National General Holdings Corp., its parent, subsidiaries (individually and collectively "we", "us" or "our") and/or third-party licensors. Our logos, all other service marks and trade names, slogans, and the names of various products and services described within are service marks are owned by us, all rights reserved. All website design, text, graphics, and the selection and arrangement thereof are our exclusive property. Permission to use, electronically copy and distribute the information contained on this website is hereby granted, provided the use is for non-commercial purposes only, that the material is unaltered, and that our copyright notice appears on all copies.

Any third-party tradenames, product names, service marks, or trademarks used in this website are the property of their respective trademark owners.

We do not knowingly permit anyone to post materials that infringe on the intellectual property rights of third parties on our website. If you believe that your work has been copied and is available on our website in a way that constitutes copyright infringement, please notify our Director of E-Commerce/Marketing
in writing at Direct Auto Insurance, PO Box 3199, Winston-Salem, NC 27102-3199, with the following information:

1. identification of the copyrighted work claimed to have been infringed;
2. identification of the material that is claimed to be infringing or to be the subject of infringing activity and that is to be removed or access to which is to be disabled, and information reasonably sufficient to permit us to locate the material;
3. your contact information, including your address, telephone number, and email address;
4. a statement by you that you have a good faith belief that use of the material in the manner complained of is not authorized by the copyright owner, its agent, or the law; and
5. a statement that the information in the notification is accurate, and, under penalty of perjury, that you are authorized to act on behalf of the copyright owner.
6. a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;

Upon receipt of a notice meeting the above requirements, we will respond in accordance with the Digital Millennium Copyright Act to remove or disable access to the material claimed to be infringing or to be the subject of infringing activity. We will also terminate account access by repeat infringers where we deem appropriate.

Entertainment Content

The content provided on certain pages on our website, including but not limited to Blogs and Learning Center, is designed for general information and/or entertainment purposes on the topics discussed. It is not intended to provide legal advice or replace official sources and should not be used as the exclusive basis for making decisions.. Unless expressly referenced, we are not affiliated with any company or app that may be referenced on those pages and we do not endorse them. Although we attempt to ensure the information presented is accurate and timely, we make no warranties. We are not responsible or liable for the user’s reliance on this content or for the availability of links to other websites or resources, or for advertising, products, services or other materials on or available through these web sites or resources. Coverages, discounts, features, or benefits when described are summaries and are subject to the individual carrier’s terms, conditions, deductibles, and exclusions as well as state requirements. Individual rates and savings, if any, will vary. Information on these pages is subject to change without notice.
 
Promotions

We may operate sweepstakes, contests, and similar promotions (individually and collectively referred to as "Promotion") through our website that may require online registration. We typically ask you for certain personally identifiable information when you enter and, if applicable, win a Promotion. We may share this personally identifiable information with third party sponsors of the Promotions (regardless of whether it is hosted by us), or otherwise in accordance with the rules applicable to the Promotion. You should carefully review the rules for each Promotion in which you participate as they may contain additional importation information about use of your personally identifiable information by us and/or our sponsor. In the event there is a conflict between the terms and conditions of the Promotion rules concerning the treatment of your personally identifiable information and this page, the Promotion rules will control.
 
Companies in our Group

*Reference to the Direct Auto Insurance in these Terms of Use include the following companies:

Company Name	NAIC #	Domicile
Century-National Insurance Company	26905	CA
Direct General Insurance Company	42781	IN
Direct General Insurance Company of Mississippi	10889	MS
Direct Insurance Company	37220	NC
Direct National Insurance Company	23736	NC
Direct General Life Insurance Company	97705	SC
Imperial Fire & Casualty Insurance Company	44369	NC
Integon Casualty Insurance Company	27930	NC
Integon General Insurance Corporation	22780	NC
Integon Indemnity Corporation	22772	NC
Integon National Insurance Company	29742	NC
Integon Preferred Insurance Company	31488	NC
MIC General Insurance Corporation	38660	MI
National General Assurance Company	42447	MO
National General Insurance Company	23728	MO
National General Insurance Online, Inc.	11044	MO
National General Motor Club, Inc.	13401	NC
National General Premier Insurance Company	12832	CA
New South Insurance Company	12130	NC
Safe Auto Insurance Company	25405	OH
Safe Auto Choice Insurance Company	16502	OH
Safe Auto Value Insurance Company	16503	OH
Standard Property and Casualty Insurance Company	15199	IL

 
*California Licensing Information - In accordance with California law, we are required to provide the following information on our insurance companies authorized to transact insurance in California. Please note that not all products or programs are offered or available in each company.

Company Name	Domicile	CA Lic #
Century-National Insurance Company	CA	1509-9
Direct General Insurance Company	IN	5948-5
Integon National Insurance Company	NC	3218-5
Integon Preferred Insurance Company	NC	2252-5
MIC General Insurance Corporation	MI	2512-2
National Farmers Union Property and Casualty Company	NC	3078-3
National General Assurance Company	MO	3197-1
National General Insurance Company	MO	2086-7
National General Insurance Online, Inc.	MO	4697-9
National General Motor Club, Inc.	NC	4408-1
National General Premier Insurance Company	CA	5001-3
Safe Auto Insurance Company	OH	5724-0
Direct General Life Insurance Company	SC	08901

Our Insurance Agencies include:

Direct General Insurance Agency, Inc. (d/b/a Direct Auto Insurance and in CA d/b/a Direct Auto Insurance Agency) NPN: 1637622. CA License #0K60659; FL MGA: A300927; TX MGA: 1919020. National General Insurance Marketing, Inc. NPN: 963096. CA License #0B26473 Personal Express Insurance Services, Inc. NPN: 2744722. CA License #0660913

**Affiliates of Direct Auto Insurance include: The companies referenced above and companies that are or become subsidiaries of National General Holdings Corp.

Online Registration/Application Process and Representations

Direct Auto Insurance Brand and Tradename.

The Direct Auto Insurance brand is used by insurers in the National General Group, Winston-Salem, NC to describe their direct-to-consumer auto insurance programs. The Direct Auto Insurance agencies produce business for affiliates in the National General Group and third parties and is only offered in states where licensed to do business.

If you apply for insurance through our website, you represent and warrant that:

• You are the individual applying for and seeking insurance coverage under our Site or otherwise accessing our Site, and that you are not using our Site for unauthorized or unlawful use.
• You have fully and accurately disclosed all material information we require, such as: your address, family members who live with you, all regular or frequent operators of any vehicle(s) you ask us to insure and whether they are used for any business or commercial purpose; your type of residence, etc.

You also agree to notify us immediately at any time that information ceases to be true, complete and accurate and understand that coverage may be terminated or declared void from inception or claims may be denied due to any misrepresentations, omissions, or inaccuracies stated by you. 

Consent to Electronic (“Paperless”) Communication and Electronic Signature

As used in this Consent, the prospective policyholder or policyholder is referred to as “you”, “your” or “Policyholder.”  Direct Auto Insurance and its insurance company affiliates in the National General Group are referred to individually and collectively as “Direct Auto Insurance”, “we”, “us”, or “our”.

In order to apply for or purchase an insurance policy or other product through our website, you must agree to (i) completing and signing your application(s) and related forms electronically and (ii) receive electronic communications from us. This consent applies to any transaction you enter into with us or any of our affiliates in the National General Group through our websites.

1. Electronic Communications: If you are electing or have elected to receive documents from us in electronic form, you agree as follows:
2. Required Technology. In order to access, download and retain electronic communications/documents, you must have a valid and working email address and access to a personal computer or smart device with internet capability and the following: a compatible Internet Browser (e.g. Edge, Chrome, Firefox, DuckDuckGo, etc.) and Adobe Acrobat Reader (available for free at adobe.com). Your browser may be required to allow pop-up windows and it may also be necessary for you to enable "Cookies". You must have the ability to save electronic communications on your device(s) or to print out the electronic communications. We may require you to validate your email address. If any hardware or software requirements needed to access or retain your electronic records are revised, we will notify you and you will have the right to withdraw your consent without penalty.
3. Types of Communications. This consent to receive electronic communications applies to all transactions with, and products and services from Direct Auto Insurance that are initiated or applied for through the Direct Auto Insurance website. This includes without limitation communications and documents relating to an application for insurance and delivery of all relevant disclosures, statements, notices, policies, declaration pages, endorsements, agreements, and other forms (“Policy Documents”) that we are required to send to you. The parties intend the federal Electronic Signatures in Global and National Commerce (E-SIGN) Act to apply to the fullest extent possible to validate the electronic transactions and communications of the parties.
4. Electronic Communication Methods. Direct Auto Insurance may communicate with you electronically by (1) email to the most recent email address you have registered with us and (2) by a posting to the Direct Auto Insurance website that is accessed by you. All electronic communications from us to you will be considered “in writing.” Direct Auto Insurance may send a notice to your email address when it posts an electronic communication to the Direct Auto Insurance website. An electronic communication is delivered to you upon placing the communication on the Direct Auto Insurance website or upon emailing it to you. Please print or save for your records a copy of any electronic communication (including this Consent Page) that is important to you.
5. Withdrawing Your Consent. You must agree to receive electronic communications in order to purchase a policy or other product produced by Direct Auto Insurance through our website. You may withdraw your consent to receive future electronic communications from us regarding a purchased insurance policy or other product by email at: Service@directauto.com or by calling our Customer Service (1-877-463-4732). You must confirm the physical address to which you want the paper copies sent. After a reasonable time to allow us to process your request, all copies of future Policy Documents will be delivered to you in paper form. Except where prohibited by law, we reserve the right to impose a transactional fee if you withdraw your consent to receive electronic communications from us.
6. No Paper Copies. Except where required by law, Direct Auto Insurance is not required to send you paper copies of any electronic communications. However, we reserve the right in our discretion to send you a paper communication regarding your Direct Auto Insurance policy or product. You may request a paper copy of a communication relating to your Direct Auto Insurance policy or other Direct Auto Insurance product or service by contacting Direct Auto Insurance Customer Service. Except where prohibited by law, Direct Auto Insurance may impose a fee for providing you with a paper copy at your request.
7. Updating Contact Information. To update your email address or other contact information for receipt of electronic communications, or to withdraw your consent to receive electronic communications, please use the “MyAccount” feature on the Direct Auto Insurance website or contact our Customer Service. You must notify us immediately at Service@directauto.com or 1-877-463-4732 if you change your email address or other location to which your policy documents are to be delivered.

If at any point you have questions regarding Electronic Delivery please contact us by any of the methods described above.

2. Electronic Signature and Use of Electronic Documents: If you elect to complete and/or electronically sign your application or any other related document on this Site (“electronic document”), you agree as follows:

By completing an electronic application or other form on this Site, you agree that, for purposes of complying with any applicable law that requires a "writing," such electronic document shall be considered to be "in writing" or "written" to the same extent as if it were in paper form. You and we intend the federal Electronic Signatures in Global and National Commerce (E-SIGN) Act to apply to the fullest extent possible to validate the electronic transactions and communications of the parties.

By electronically signing a document on this Site (which may include clicking on an “I Accept” button or other steps designated on this Site as constituting your electronic signature), you agree that application of your electronic signature indicates your intent to sign and be bound by the applicable document to an extent no less than if it were signed using pen and paper, that it shall satisfy all legal requirements for a signature.

If introduced as evidence in any judicial, arbitration, mediation, or administrative proceedings, such electronic documents shall be admissible as between you and us to the same extent and under the same conditions as records originated and maintained in paper form, and you agree that you shall not contest the admissibility or enforceability of such electronic documents resulting from your electronic transaction(s) through our website on the basis that the electronic document was not originated or maintained in paper form.

If you have questions regarding Electronic Signature please contact us by any of the methods described above.

3. Online Account Access. If you choose to create an online account on our website, you agree to the following:

• You may access your account online by entering the required identifying information such as your username and password in the appropriate fields.
• We are authorized to act on the instructions we receive under your password without any requirement to question or otherwise verify those instructions.
• We are not liable for any unauthorized access to your personal information that is not directly due to our gross negligence or intentional misconduct.
• You acknowledge, understand, and agree with Consent to Electronic (“Paperless”) Communications and Electronic Signature You acknowledge your responsibility to keep your password and other uniquely identifiable information confidential and secret.
• You will notify us immediately and cooperate with us if you believe anyone else has learned your password or if you think anyone has accessed your account without your authorization.

We may deny access or block any transaction made under your password without prior notice if we believe your password is being used by someone other than you, or if any unauthorized access to your personal information has occurred or may occur, or for any other reason, but we are under no obligation to do so.

Mobile Messaging and Email

If you have agreed to receive communications from us via your mobile device or email, you agree that you will be responsible for updating your contact information if it changes and for any fees your wireless service provider charges you for sending and receiving text/data messages. We also do not assume any liability for any losses or damage (a) caused by the disclosure of information to your mobile phone when the phone is another person's possession; or (b) to your data, mobile device, or other equipment unless the damage is directly and solely caused by our gross negligence or willful default. You agree to indemnify, defend and hold us harmless from and against any claims, losses or costs (including reasonable attorneys' fees) if you provided us with a phone number that is not your own or if you violate any applicable state and federal laws and regulations. Remember, you can revoke your consent to receiving email and text messages at any time by notifying us in writing.

Timely Payment

If you are a policyholder with us, you understand and agree that if we do not receive proper and timely payment or if your financial institution does not honor/authorize the payment you may not receive insurance coverage. Any dishonored payments may incur an insufficient funds fee. If we do not receive your payment of the invoiced amount by the payment due date, we may charge you a late fee. Any late payments may result in the cancellation of your insurance policy. Cancellation of a policy before the term expiration date may incur a cancellation fee.

If you choose to make payments by electronic funds transfer, you agree to provide accurate information allowing for the processing of such payments and agree to electronic authorization of such payments.
 
Applicable Law

These Terms of Use, as well as the use of our Site, is governed in all respects by the laws of the State of North Carolina without giving effect to any principles of conflict of laws. Any dispute concerning this Agreement, or our Site, shall be subject to the exclusive venue of a court of competent jurisdiction in the state of North Carolina.
 
Severability

If any provision in these Terms of Use is held to be invalid, void, or for any reason unenforceable, that provision shall be deemed severable from and shall not affect the validity and enforceability of the remaining provisions and the remaining provisions shall remain in full force and effect.