Carriers Privacy Policy

National General Insurance Privacy Notice

The National General Insurance Group* is giving you this notice to tell you how we may collect and share nonpublic personal information about you and the accounts you have with a company (or companies) in the National General Insurance Group. This notice also advises you of your right to keep this information from being shared with affiliates of the National General Insurance Group** or other business associates (non affiliated companies we do business with to provide financial products and services) under certain circumstances and your right to limit marketing, in some cases.

What Nonpublic Personal Information Do We Collect About You?

We collect non-public personal information about you from the following sources:

  • Information we receive from you, such as information on applications or other forms, which may include your name, address, e-mail address, social security number and driving history.
  • Information about your transactions with us, our affiliates, or others, such as your account balance and payment history.
  • Information we receive from outside sources such as consumer reporting agencies, insurance agencies and state motor vehicle departments which may provided information on your credit history, credit score, driving and accident history, or prior insurance coverage in place.

How Do We Protect The Information That We Collect About You and Your Accounts?

To protect the privacy and security of nonpublic personal information we collect about you, we restrict access to the information to our employees, agents and subcontractors who need this information to provide products and services to you. We maintain physical, electronic, and procedural safeguards that comply with applicable federal and state laws and regulations to guard your non-public personal information. We strive to keep our information about you accurate. If you tell us of an error, we update our records promptly. If you wish to review or correct personal information on your account, please write to us at the address on your account statement or other account materials.

Do We Share The Information We Collect About You and Your Accounts?

Yes, to provide you with superior service, inform you of product and service opportunities that may be of interest to you, or for other business purposes, we may share all of the nonpublic personal information we collect about you and your accounts, as described above, as permitted by law. Our sharing of information about you is subject to Your Rights, detailed below.

What Types of Affiliates and Non-affiliated Third Parties Do We Share Information About You With?

Subject to Your Rights, detailed below, we may share nonpublic personal information about you with the following types of affiliates and non-affiliated third parties:

  • Financial service providers, such as credit card issuers, insurance companies, and insurance agents.
  • Non-Financial companies, such as credit reporting agencies, manufacturers, motor vehicle dealers, and telecommunications companies.
  • Companies that perform business or professional services such as printing, mailing services, data processing or analysis, or customer surveys, on our behalf.
  • Other companies we do business with to provide financial products and services to you.
  • We may also share nonpublic personal information about you with affiliates and non-affiliated third parties, as permitted by law.

Do We Share Information About Former Customers?

Yes, subjects to Your Rights - detailed below, we may share all of the nonpublic personal information described above about our former customers with the same types of affiliates and non-affiliated third parties, as described above and as permitted by law.

Your Rights:

Information Sharing

  • If you want a company in the National General Insurance Group not to share nonpublic personal information about you with affiliates, other companies we do business with to provide financial products and services to you, or both, you may opt out of Information Sharing. That is, you may direct the company in the National General Insurance Group not to share information (other than as permitted by law). (Information Sharing permitted by law includes, for example, sharing with companies that work for a company in the National General Insurance Group to provide the product or services you request.
  • Your Information Sharing opt out direction will apply to nonpublic personal information, as described above, that the company in the National General Insurance Group has collected about you and your existing account

Affiliate Marketing

  • Federal law gives you the right to limit some but not all marketing from the companies in the National General Insurance Group and their affiliates. You may limit companies in the National General Insurance Group and their affiliates from marketing their products or services to you based on nonpublic personal information about you that they receive from a company in the National General Insurance Group. This information includes income, account information, credit history, and payment history.
  • Your choice to limit Affiliate Marketing will apply to nonpublic personal information about you and your existing account.

How to Opt Out of Information Sharing or Limit Affiliate Marketing:

  • If you wish to allow Information Sharing and Affiliate Marketing as described above, no further action is necessary.
  • If you wish to opt out of Information Sharing with Affiliates, or with non-affiliated third parties, or with both, or to limit Affiliate Marketing, other than as permitted by law, please complete the enclosed "Important Privacy Choices for Consumers".
  • Please Note: Completing and returning the Important Privacy Choices Form (Download Opt Out Form) will opt you out of all Information Sharing and Affiliate Marketing as described above, other than as permitted by law.
  • Return the completed form in the enclosed postage paid envelope to the following address:

    National General Insurance Company
    PO Box 3199
    Winston Salem, NC 27102-3199
  • Each time you establish a new account with a company in the National General Insurance Group, you will receive a privacy notice and an opportunity to opt out of Information Sharing and limit Affiliate Marketing for that account, as permitted by law.
  • If you have a joint account with another person, either of you may opt out of information Sharing or limit Affiliate Marketing (other than as permitted by law) for both of you.

*Reference to the National General Insurance Group in this notice includes the following companies: National General Insurance Company, National General Assurance Company, National General Insurance Online, Inc., National General Insurance Marketing, Inc., Integon Casualty Insurance Company, Integon General Insurance Corporation, Integon Indemnity Corporation, Integon National Insurance Company, Integon Preferred Insurance Company, New South Insurance Company, MIC General Insurance Corporation, Home State County Mutual Insurance Company - Administered by Integon National Insurance Company or National General Insurance Company, GM Motor Club, Inc., National Health Insurance Company, and our affiliate Agent Alliance Insurance Company.

**Affiliates of the National General Insurance Group include: companies in the National General Insurance Group referenced in this notice 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 Group.

Commerce West Insurance Privacy Policy

In order to process an insurance transaction with us, you have provided personal information about yourself, some of which may be nonpublic in nature. We have a high regard for the privacy of our customers and want you to know how we handle your personal information. The following contains a description of the types of information we collect about you, and how that information is used and protected. This privacy statement describes our privacy practices for both our current customers and former customers, and is provided in compliance with applicable federal and state law.

Types and Sources of Information We Collect About You

We may collect information about you, including nonpublic personal information, from the following sources:

  • Information we receive from you on your application for insurance, as well as other forms related to your insurance with us,
  • Information about your transactions with us, which may include your payment and payment history, claims history and investigation files, and policy coverages and limits;
  • Information from your independent insurance agent or broker;
  • Information we receive from consumer reporting agencies;
  • Information we receive from governmental agencies or independent reporting agencies, which may include motor vehicle reports, claims reports and property inspections; and,
  • Information that you voluntarily provide through our website for us to provide an agent for purposes of providing a quote or application for insurance.

Our Use of the Information We Collect About You

We use the information we collect about you, including the nonpublic personal information, only for purposes of effecting, administering, enforcing and servicing your insurance with us. We do not disclose any nonpublic personal information about you to any affiliated or nonaffiliated third parties, except as permitted by law. We may provide your nonpublic personal information to your independent insurance agent or broker, or to nonaffiliated third parties who are non-financial companies that provide services to us, or perform functions on our behalf. We do not sell or to otherwise share your information with anyone for marketing purposes.

Protection of Your Information

We restrict access to the nonpublic information about you to our employees, agents, and subcontractors who need this information to provide our products and services to you. The Commerce Group, Inc. has adopted and maintain information security programs that include administrative, technical and physical safeguards to protect the security, confidentiality and integrity of your nonpublic personal information.

Your Independent Broker

Your independent insurance agent or broker is not an employee of The Commerce Group, Inc. and is not subject to this privacy statement.