TERMS AND CONDITIONS FOR USE OF THIS WEB SITE
Please read these terms and conditions of use carefully before using our web
site. Your use of our site indicates your agreement with the following terms
and conditions. Direct reserves the right to modify these terms and
conditions at any time without notice. Please visit this page periodically to
check for changes
Copyrights and Trademarks
Direct Companies and License Information
Disclaimer of Warranties
Jurisdiction/Severability
Links to Third Party Sites
Limitation of Liability
Privacy
Product Availability
COPYRIGHTS AND TRADEMARKS
Except where otherwise indicated, all materials contained in this web site are
the proprietary and copyrighted property of Direct General Corporation, its
affiliated companies and/or third party licensors. The Direct logo, all other
service marks and trade names, slogans, and the names of various products and
services described within are service marks of Direct General Corporation or
its affiliates, all rights reserved. All web site design, text, graphics, and
the selection and arrangement thereof are the exclusive property of the Direct
General Group of companies. Permission to use, electronically copy and
distribute the information contained on this web site is hereby granted,
providing the use is for non-commercial purposes only, that the material is
unaltered, and that the Direct copyright notice appears on all copies.
Visa® and any other third party tradenames, product names, service marks, or
trademarks used in this web site are the property of their respective trademark
owners.
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LIMITATION OF LIABILITY
To the extent permitted by law, Direct will not be responsible for any
loss, claim, damages, or injuries that accompany or result from your use of our
web site 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 web site; use of (or inability to use) any site to which
you hyperlink to or from this web site; 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 injuury, 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 web
site.
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WARRANTY DISCLAIMER
Our web site and the content and materials therein are provided “as is.” We
expressly disclaim any and all express or implied warranties or representations
of any kind. This includes, but is not limited to, warranties that: the
material is of any particular quality or is fit for a particular purpose;
non-infringement; that the functional elements contained in the materials will
be uninterrupted or error-free; that defects will be corrected; that our web
site, or the servers that make them available, or any e-mail sent from us are
free of viruses or other harmful components or conditions; of that information
contained in the web site is accurate as of any particular date. We reserve the
right to change or terminate all or part of our web site at any time without
notice. Some states do not allow the disclaimer of implied warranties, so the
forgoing disclaimer may not apply to you.
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LINKS TO THIRD PARTY SITES
For your convenience, the Direct web site may contain links to other Internet
sites not maintained by Direct. Direct does not endorse, promote or otherwise
recommend in any way the products, services or information that may be found
through those links. Furthermore, Direct makes no warranties or
representations, express or implied, as to the contents, privacy policies, or
products or services offered by such third party sites.
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PRIVACY
Please review our Privacy Policy, which also governs
your visit to this web site.
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PRODUCT AVAILABILITY
Our products are not available outside the United States or in any jurisdiction
in which we are not licensed to do 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 not a resident in any such jurisdiction. Furthermore,
our product availability varies by state and the insurance coverage provided by
us is subject to our insurance underwriting and other guidelines as well as the
terms and conditions of the contracts and policies issued in each state.
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DIRECT COMPANIES & LICENSE INFORMATION
As used throughout our web site the term “Direct” or the service mark “DIRECT”
refers to the different companies within the Direct General Group of companies.
The Direct General Group includes:
Direct General Insurance Company (NAIC: 42781).
Licensed in: Alabama, Florida, Georgia, Indiana, Illinois, Kansas, Mississippi,
Missouri, Oklahoma, South Carolina, Tennessee, Texas, Virginia
Direct Insurance Company (NAIC: 37220)
Licensed in: Arkansas, South Carolina, Tennessee
Direct General Insurance Company of Louisiana (NAIC: 14630)
Licensed in: Louisiana
Direct General Insurance Company of Mississippi (NAIC: 10889)
Licensed in: Kentucky, Mississippi
Direct National Insurance Company (NAIC: 23736)
Licensed in: Alabama, Arizona, Arkansas, Colorado, Delaware, District of
Columbia, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky,
Louisiana, Maine, Maryland, Massachusetts, Minnesota, Mississippi, Missouri,
Montana, Nebraska, Nevada, New Jersey, New Mexico, North Dakota, Ohio,
Oklahoma, Pennsylvania, South Carolina, South Dakota, Texas, Utah, Vermont,
West Virginia, Wisconsin, Wyoming
Direct General Life Insurance Company (NAIC: 97705)
Licensed in: Alabama, Alaska, Arkansas, Arizona, Colorado, Connecticut,
District of Columbia, Delaware, Florida, Georgia, Idaho, Illinois, Indiana,
Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Michigan, Minnesota,
Mississippi, Missouri, Montana, Nebraska, Nevada, New Mexico, North Carolina,
North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South
Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington,
Wisconsin, West Virginia
Direct Life Insurance Company (NAIC: 71979)
Licensed in: Alabama, Arizona, Arkansas, Colorado, Florida, Georgia, Louisiana,
Mississippi, Missouri, New Mexico, South Carolina, Tennessee, Texas
Direct General Premium Finance Company (premium finance company)
Licensed or otherwise qualified in: Arkansas, Georgia, Kentucky, Louisiana,
Missouri, North Carolina, South Carolina, Tennessee, Texas, Virginia,
Direct General Financial Services, Inc. (premium finance company)
Licensed or otherwise qualified in: Arkansas, Florida, Georgia, Kentucky,
Louisiana, Mississippi, North Carolina, South Carolina, Tennessee, Texas
Direct General Consumer Products, Inc. (payday lender/check casher)
Licensed in: Florida (License Nos. LI00000586769 - I00000586779; LI00000586781
- LI00000586784; LI00000586786 - LI00000586792; LI00000586794 - LI00000586802;
LI00000586804 -LI00000586813; LI00000586816; LI00000586817; LI00000586819 -
LI00000586825; LI00000586827 - LI00000586833); Kentucky (License Nos.: CC13266
- CC13273; CC13275; CC13276; CC15321; CC15322) Louisiana (License Nos.:
6871-367; 6872-367; 6873-367; 6874-367; 6876-367; 6877-367; 6878-367; 6879-367;
6880-367; 6881-367; 6882-367; 6883-367; 6884-367; 6885-367; 6886-367; 6887-367;
6888-367; 6889-367; 6890-367; 6891-367; 7112-367; 7113-367; ; 7114-367;
7115-367) Mississippi (License. Nos.: 642, 644, 645, 646, 647, 648, 649, 650,
651, 652, 653, 654, 656, 657, 658, 659, 660, 873, 679, 680, 681, 682, 683, 684,
685, 686) Missouri (License. Nos.: 500-05-3706;500-05-3708; 500-05-3709;
500-05-3712; 500-05-3713; 500-05-3714; 500-05-3715; 500-05-4026; 500-05-4088;
500-05-4089; 500-05-4141; 500-05-4140; 500-05-4147) Tennessee (License. Nos.:
3032, 3033, 3034, 3036, 3037, 3038, 3039, 3040, 3041, 3042, 3048, 3049, 3051,
3052, 3053, 3054, 3055, 3056, 3057, 3058, 3058, 3059, 3060, 3061, 3062, 3063,
3064, 3065, 3066, 3067, 3068, 3069, 3070, 3071, 3072, 3073, 3074, 3075, 3076,
3077, 3078, 3079, 3080, 3115, 3116, 3117)
Right Choice Insurance Agency and Direct or Direct General Insurance Agencies
Licensed in: Arkansas, Florida, Georgia, Kentucky, Louisiana, Mississippi,
Missouri, North Carolina, South Carolina, Tennessee, Texas, Virginia. Some of
our agencies are licensed in more than on of these jurisdictions.
In North Carolina, in addition to the companies listed above, we also place
business with State National Insurance Company, Fort Worth, Texas. In Texas, in
addition to the companies listed above, we also place business with Old
American County Mutual Fire Insurance Company, Dallas, Texas. Neither of these
insurance companies is an affiliate of Direct.
In Arkansas, Florida, Kentucky, Mississippi, Missouri, North Carolina,
Tennessee, and Virginia, Vehicle and Travel Protection Plans are underwritten
by American Bankers Insurance Company of Florida and administered through
Nation Safe Drivers, Inc., Deerfield Beach, Florida. Neither of these companies
is an affiliate of Direct.
In Georgia, Louisiana, and South Carolina, the Vehicle Protection Plan, and in
Florida the Accident Medical Plan, are underwritten by 100% Certain
Underwriters at Lloyds of London and administered through Nation Safe Drivers,
Inc., Deerfield Beach, Florida. Neither of these companies is an affiliate of
Direct.
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JURISDICTION/SEVERABILITY
Use of this web site shall be governed by and construed in accordance with the
laws of the state of Tennessee without giving any effect to any principles of
conflicts of laws. Any dispute concerning this site shall be subject to the
exclusive venue of a court of competent jurisdiction in Davidson County,
Tennessee. Should any provision of our terms and conditions be held invalid,
unlawful, or for any reason unenforceable, the invalid, unlawful or
unenforceable provision shall be severable from the remaining provisions and
shall not affect the enforceability or validity of any remaining provisions.
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