OutrightQuotes RESPECTS YOUR PRIVACY Protecting your privacy is very important to us. Customers like you have trusted us with their insurance needs since 2014, and we take our obligation to safeguard and secure your personal information very seriously. We want you to understand how we protect your privacy and when we collect and use your information.
THE INFORMATION WE COLLECT
Non-public personally identifiable information ("Information") is information that identifies you and is not available to the general public. The following sections tell you more about how and when we collect your data.
INFORMATION WE OBTAIN FROM YOU
During the quoting, application, or claims handling processes, you may give us information such as your:
If you gave us your email address, OutrightQuotes might use it from
time to time to notify you of new services, special offers, or
confirm transactions. Suppose you do not wish to be contacted by
email for non-policy related communications. In that case, you may
unsubscribe by following the instructions at the bottom of any
OutrightQuotes email you receive. If you are a policyholder, you can
log in to your account at OutrightQuotes.com, click on "Update Email
Preferences" on the right side of the screen and choose the level of
communication you'd like to receive from us. If you have not yet
enrolled online, you will need to enrol with OutrightQuotes.com to
update your email preferences.
We may collect information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes. INFORMATION FROM THIRD PARTIES We may receive information about you from consumer reporting agencies, which provide us with motor vehicle reports, claim reports, and credit information where permitted by law. When you ask for a rate quotation, we may obtain credit information if permitted by applicable state law. Our sales and service representatives do not have access to the details of your credit information. Other companies who view your credit report will not see the OutrightQuotes inquiry. It will be visible only to you. Our inquiry will not affect your credit score or credit rating. If you commit to purchase a policy with OutrightQuotes, we will also confirm your motor vehicle record and claims history. As permitted by law, we may also review your motor vehicle record, claims history, and credit information connected with any renewal.
Your current location is only used if you permit our services to do so. If you allow your location to be obtained using an OutrightQuotes app or a browser, we will use this information to return your estimated location. We use this information solely to distinguish your current location and not to identify you. OutrightQuotes does not automatically track your location.
We may collect information about your transactions and experiences with us and others, such as your payment history, claims, coverage, and vehicle changes.
We may receive information about you from consumer reporting agencies, which provide us with motor vehicle reports, claim reports, and credit information where permitted by law. When you ask for a rate quotation, we may obtain credit information if permitted by applicable state law. Our sales and service representatives do not have access to the details of your credit information. Other companies who view your credit report will not see the OutrightQuotes inquiry. It will be visible only to you. Our inquiry will not affect your credit score or credit rating. If you commit to purchase a policy with OutrightQuotes, we will also confirm your motor vehicle record and claims history. As permitted by law, we may also review your motor vehicle record, claims history, and credit information connected with any renewal.
Your current location is only used if you permit our services to do
so. If you allow your location to be obtained using an OutrightQuotes
app or a browser, we will use this information to return your
estimated location. We use this information solely to distinguish your
current location and not to identify you. OutrightQuotes does not
automatically track your location.
ACCESSIBILITY AND CORRECTION OF PERSONAL INFORMATION
Residents of Arizona, California, Connecticut, Georgia, Illinois, Maine, Minnesota, Montana, Nevada, New Jersey, North Carolina, Oregon, or Virginia have the right to request access to and correction of the personal information that we have collected from or about you. To do so, contact OutrightQuotes's customer service department. If you'd like to correct the information you provided to us, our representative will make the appropriate adjustments to OutrightQuotes's records. If you wish to correct personal information provided to OutrightQuotes by a third party (such as a credit rating agency), the representative will provide you with the applicable third party's contact information. Upon the request of residents of other states, we will take reasonable steps to verify the accuracy of the personal information in our records.
Information about our customers or former customers will only be disclosed as permitted or required by law. Information about you that has been collected is maintained in your policy and or claims records. We use this information to process and service your policy; to settle claims with your consent; or as directed by you. We may also disclose it to persons or organizations as necessary to perform transactions you request or authorize. Information about our former customers and about individuals who have obtained quotes from us is safeguarded to the same extent as information about our current policyholders. Following are some examples of how we may disclose Information: We must exchange information about you with our agents, investigators, appraisers, attorneys, and other persons who are or will become involved in processing your application and servicing your policy or any claims you may make. When you are involved in a claim, policy information is provided to adjusters and the businesses that will repair your vehicle. We may share information with persons or organizations that we have determined need the information to perform a business, professional, or insurance function for us. These include businesses that help us with administrative functions. If the law in your state permits, we may share information with financial institutions with a joint-marketing agreement. All of these entities are obligated to keep the information that we provide to them confidential and use the information only for the purpose of the information. Information may be provided to organizations conducting actuarial research or audits. In this case, you will not be individually identified in any research report. The organization must agree not to redisclose the information, and the information will be returned to us or destroyed when it is no longer needed. We may also share your information for other permitted purposes, including:
We restrict access to your information to employees who we have determined need it to provide products or services to you. We train our employees to safeguard customer information, and we require them to sign confidentiality and non-disclosure agreements. We maintain strict physical, electronic, and procedural safeguards to protect your information from unauthorized access by third parties.
Additional Information for policyholders enrolled in our usage-based insurance program is included in the agreement provided upon enrollment in the program.
Under the California Consumer Privacy Act ("CCPA"), California
residents have the following rights:
rights: The right to know is the right to request that OutrightQuotes disclose what personal information we collect, use, and may reveal about them.
The right to delete, which is the right to request that we delete personal information collected or maintained by OutrightQuotes.
The right to non-discrimination is the right to be free from discrimination for exercising any consumer rights under the CCPA.
We may limit our responses to any requests under the CCPA as permitted by law. To exercise your rights to know or delete under the CCPA, please click here or call us toll-free at 877-832-0937. For verification purposes only, we will collect a limited number of personal identifiers, send those securely through a verification system, ask you follow-up questions through our online portal or representative, and then confirm whether your identity has been verified. You may also designate an authorized agent to request to know or delete on your behalf. To select an authorized agent, you must provide the natural person or entity registered with the California Secretary of State with written permission to submit such a request. You (or your agent) will still be required to verify your identity. However, if an authorized agent has been provided with power of attorney in accordance with the California Probate Code, then no additional written authorization is required. All agents must submit proof to OutrightQuotes that they have been authorized by any consumer(s) to act on their behalf.
have collected the following categories of personal information:
Personal identifiers such as a real name, alias, postal address, unique personal identifier, email address, telephone number, insurance policy number, account name, social security number, signature, gender, driver's license number, physical characteristics, consumer status, and other similar identifiers. We collect this category of information directly from consumers—either online, phone, or in person. An anti-fraud service provider may confirm the information a consumer has provided to us and give us additional personal identifiers in response. We may also receive identifiers from marketing service providers.
Driving and claims history, including information about any prior accidents or insurance claims. We request this information directly from consumers but also sometimes receive it from antifraud and risk-assessment service providers.
Vehicle information, such as a vehicle identification number (VIN), vehicle details, including any customizations, and vehicle photos. We collect this information directly from consumers, claimants, auto dealerships, body shops, and other service providers.
Financial identifiers, such as a bank account number, credit card number, debit card number, or other financial information. We generally collect this information directly from consumers. On occasion, we may receive this information indirectly while handling claims.
Medical information, such as details involving the injuries sustained in a car accident, the treatment for such injuries, as well as health insurance information. We receive this information either directly from consumers or their attorneys, or medical-field third parties, following state and federal law.
Commercial information about consumer transactions and experiences with us and others, such as payment history, claims, coverage and vehicle changes. We may receive this information directly from consumers or through their online activities and sometimes from third-party vendors.
Internet or other electronic network activity information may include commercial information, such as browsing history, online identifier(s), Internet Protocol address, search history, and information regarding a consumer's interaction with an Internet Web site, application, or advertisement. We collect this information through a consumer's use of our website or mobile application(s) and third-party partners such as analytics and marketing providers. Geolocation data. When a consumer asks us to, we may collect geolocation data. For example, you may use our mobile application to find a nearby body shop. We collect this data through our application(s).
Audio, electronic, visual, or similar information, such as recorded statements, photos of damaged vehicles, videos of accident locations, and calls made to our customer service centres, may be recorded. We receive this information directly from consumers or a claimant's insurer through police investigations (i.e. accident reports) and fraud investigations. Professional or employment-related information in the form of business contact information and education or employment history, which we only use as permitted by law. We generally collect this information directly from consumers. On occasion, this information is provided to us by third parties.
Applicant and Employee information, in addition to information in the above categories, this information includes birth certificates (to validate dependents), passport numbers, access badge photos, background and screening data, and protected class characteristics. This information is used following state and federal laws and is shared with our human-resources service providers.
Inferences are drawn from the information we collect when consumers visit our websites, use our mobile apps, or interact with us on our social media platforms and information about consumer preferences and behaviour that we collect on our websites and mobile apps. We collect each of the above categories of information for a variety of purposes, including: For our core business purposes, such as providing quotes for insurance, processing applications (either for insurance or employment), establishing and servicing policies, claims to handle, providing customer support, and furnishing other insurance services. For example, we use information to verify our applicants' driving history and information, complete billing, payment and reimbursement obligations and prevent fraud.
To assess and improve our product and service offerings, including the development of new products and services.
To perform data analysis (including market and consumer search and analytics and trend analysis).
To conduct marketing activities and communicate with you regarding products and services offered by OutrightQuotes and its partners.
To enable you to interact with us through social media platforms.
To detect and prevent fraud and other prohibited or illegal activity.
To maintain and enhance the security of our systems, data, and workplace.
To hire qualified employees and maintain our workforce.
To comply with legal obligations and policies.
To bring and defend claims
For other purposes as permitted by law or to which you consent.
If you are concerned about privacy or security at OutrightQuotes, we
want to hear about it by mail or email. Please write to us at Privacy
Administration OutrightQuotes 634 W Grand River Ave, Williamston, MI
applies to all of the following OutrightQuotes companies:
Government Employees Insurance Company
OutrightQuotes General Insurance Company
OutrightQuotes Indemnity Company
OutrightQuotes Casualty Company
OutrightQuotes Advantage Insurance Company
OutrightQuotes Choice Insurance Company
OutrightQuotes Secure Insurance Company
OutrightQuotes County Mutual Insurance Company
OutrightQuotes Insurance Agency, Inc.