As used in this Agreement, "you" and "your" refer to the individuals using the Site. "We", "us" or "our" refers individually and collectively as applicable to the National General Insurance Group and each affiliate in that group (see list below)*
Copyrights and Trademarks
Disclaimer of Warranties
Limitation of Liability
Links to Third Party Sites
Mobile Messaging and Email
Copyrights and Trademarks
Disclaimer of Warranties
Limitation of Liability
Links to Third Party Sites
Mobile Messaging and Email
AccessibilityWe are committed to making our websites' content accessible and easy to use for everyone. If you are having difficulty viewing or navigating the content on our website or find any feature that is not functioning or fully accessible to you, please contact us by phone at: 1-877-468-3466 or by email: email@example.com. Please be ready to provide us with the details of the specific difficulty you are having.
Copyrights and TrademarksExcept where otherwise indicated, all materials contained in this website are the proprietary and copyrighted property of National General Holdings Corp., its 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 the 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 designated agent (named below) with the following information:
- identification of the copyrighted work claimed to have been infringed;
- 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;
- your contact information, including your address, telephone number, and email address;
- 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
- 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.
- a physical or electronic signature of the copyright owner or a person authorized to act on their behalf;
Director of E-Commerce/Marketing
1281 Murfreesboro Rd.
Nashville, TN 37217
Email at: firstname.lastname@example.org
Phone: 1-877-777-3245 or 1-615-942-2814
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.
Disclaimer of WarrantiesOur 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 LiabilityTo 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.
Links to Third Party SitesFor your convenience, our website may contain links to other Internet sites not maintained by us. We do not endorse, promote, or otherwise recommend in any way the products, services or information that may be found through those links. Furthermore, we makes no warranties or representations, express or implied, as to the contents, privacy policies, or products or services offered by such third party sites.
Applicable LawThis Agreement, 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.
SeverabilityIn the event that any of these conditions shall be deemed invalid, void, or for any reason unenforceable, that condition shall be deemed severable from and shall not affect the validity and enforceability of the remaining conditions.
Product AvailabilityOur products are not available outside the United States or in any jurisdiction in which we are not licensed and writing business and we are not soliciting business in any such jurisdiction. By completing an on-line request for a quote, you are confirming that you are a resident in a state where we do business.
Our product and pay plan availability also varies by state. The insurance coverage provided by us is subject to our individual insurance underwriting and other guidelines as well as the terms and conditions of the contracts and policies issued in each state. Cost may vary depending on if you choose to purchase online or if you purchase through a live agent.
Our product forms are available in English only. Any Non-English advertising is informational only. In the event of a discrepancy between the English version and the non-English version of a document, the English version will be the controlling document.
Certain insurance products are produced by our insurance agencies as independent producers for third party carriers or as insurance brokers or both. Not all third party products are available through all of our distribution channels. Our agencies are compensated by the insurance companies they represent.
Our agencies also market optional products that are not insurance, including but not limited to Roadside Assistance and Auto Protection Plans, which are provided by third parties.
Mobile Messaging and EmailIf 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.
Entertainment ContentThe content provided on certain pages on our website, including but not limited to Blogs and Learning Center, is designed for entertainment purposes and/or to give general information on the topics discussed. It is not intended to provide legal or any other type of advice and is not meant to be a thorough discussion of every issue that a person should consider or may encounter. 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. We are not responsible or liable for the users 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 websites or resources. Any references to third party rates or products are subject to change without notice.
Sweepstakes, Contests, etc.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.
Online Registration/ Application Process and RepresentationsIf 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.
Electronic Delivery and Electronic Signature Terms and Conditions - "GO PAPERLESS"Consent to Electronic Signature and Electronic ("Paperless") Communications. As explained further below, you must agree to (i) completing and signing your application(s) and related forms electronically and (ii) receive electronic communications from us in order to apply for or purchase an insurance policy or other product through our website. This consent applies to any transaction you enter into with us or any of our affiliates in the National General Insurance Group through this website.
1. Go Paperless/Electronic Delivery
If you are electing or have elected to receive documents from us in electronic form (rather than in paper form), this section is applicable to you.
Your agreement to receive documents electronically includes your consent to receive, in electronic form rather than on paper, all relevant statements, notices, policy documents, declaration pages, endorsements, renewal notices, and other documents ("Policy Documents") that we are required to send to you. Whenever we are required or desire to deliver to you any Policy Document, we will send an electronic notification to the e-mail address provided by you during the account registration process (as it may be updated by you from time to time). Such electronic notification will inform you that your applicable Policy Document can be accessed on our Site through your online account. You may also, upon request, obtain a paper copy of any specific Policy Document by contacting us at 1-888-293-5108.
- Your consent to electronic delivery of your Policy Documents may be revoked at any time by calling us at 1-888-293-5108 or by e-mail at Service@NGIC.com. 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.
- In the event that you withdraw your consent, you agree to notify us of the address or other location to which paper records may be provided.
- To view or download your Policy Documents, the Site requires access to the Internet and is designed for use with Internet Explorer version 6.0 or later and Mozilla Firefox version 220.127.116.11 or later. Your browser must be set to allow pop-up windows to be displayed. It may also be necessary to enable "Cookies" on your browser. To print copies of your Policy Documents you may need a program to read documents in "PDF" format. This program is available without cost from www.adobe.com.
- Should any technological change or upgrade be made that will affect your ability to access your Policy Documents, we will notify you and remind you of your right to withdraw your consent to receive electronic records and to receive paper records instead.
If at any point you have questions regarding Electronic Delivery please contact 1-877-468-3466.
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"), this section is applicable to you.
By completing a document 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 an extent no less than if it were in paper form.
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 in the manner specified on the Site indicates your intent to sign the applicable document, and that such electronic document shall be considered to be "signed" to an extent no less than if it were signed using pen and paper, and such electronic signature shall satisfy all requirements for a signature.
You represent and warrant that you have the authority to provide an electronic signature and acceptance on behalf of yourself, and to have the electronically signed documents be binding upon you.
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 National General Insurance copies of such electronic documents in a court or any proceeding under any evidentiary rule on the basis that the electronic document was not originated or maintained in paper form.
If at any point you have questions regarding Electronic Signature please contact 1-877-468-3466.
3. Online Account Access
If you choose to create an online account with us, this section is applicable to you.
- If you create an online account with us, 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 our electronic transactions agreement. 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.
Timely PaymentIf 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.
Companies in Our Group*Reference to the National General Group or National General Insurance in this notice include the following companies:
Century-National Insurance Company
Direct General Insurance Company*
Direct General Insurance Company of Mississippi
Direct General Life Insurance Company*
Direct Insurance Company
Direct National Insurance Company
Imperial Fire & Casualty Insurance Company
Integon Casualty Insurance Company
Integon General Insurance Corporation
Integon Indemnity Corporation
Integon National Insurance Company*
Integon Preferred Insurance Company*
MIC General Insurance Company*
National Farmers Union Property and Casualty Company
National General Assurance Company*
National General Insurance Company*
National General Insurance Online, Inc.
National General Premier Insurance Company
National Health Insurance Company
New South Insurance Company
Standard Property and Casualty Insurance Company
*California Licensing InformationIn 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.
|Name of Company||State of Domicile||California License Number|
|Direct General Insurance Company||Indiana||5948-5|
|Direct General Life Insurance Company||South Carolina||2939-7|
|Integon National Insurance Company||North Carolina||6365|
|Integon Preferred Insurance Company||North Carolina||6244|
|MIC General Insurance Company||Michigan||6524|
|National Farmers Union Property and Casualty Company||North Carolina||3078-3|
|National General Assurance Company||Missouri||5220|
|National General Insurance Company||Missouri||5487|
|National General Insurance Online, Inc.||Missouri||4697-9|
|National General Premier Insurance Company||California||5001-3|
|National Health Insurance Company||Texas||08929|
Our Insurance Agencies include:ABC Agency Network, Inc. (d/b/a ABC Insurance Agencies) NPN: 3938950
ABC Agency Network of Texas, LLC (d/b/a ABC Insurance Agencies) NPN: 8902907
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
Right Choice Insurance Agency, Inc. (also d/b/a Direct Auto Insurance and in CA d/b/a Easy Auto Insurance Agency) NPN: 8573167, CA License #: 0J13166
**Affiliates of the National General Insurance include: companies in the National General Insurance referenced above and companies that now or in the future control, are controlled by, or are under common control with a company in the National General Insurance.