Privacy Policy
Effective Date: 12/27/24
Introduction
Nation Instant Insurance Service ("we," "us," or "our") is committed to protecting your privacy. This Privacy Policy explains how we collect, use, disclose, and safeguard your information when you visit our website or use our services, including car and motorcycle insurance products. Please read this policy carefully to understand our views and practices regarding your personal data and how we will treat it.
Information
We Collect We may collect personal information from you in various ways, including:
- Personal Identification Information: Name, address, email address, phone number, driver’s license number, Social Security Number, and other related information.
- Vehicle Information: Details about your vehicle, such as make, model, year, vehicle identification number (VIN), and registration details.
- Financial Information: Payment information, including credit/debit card numbers and bank account details.
- Insurance History: Information about your previous insurance policies and claims history.
- Usage Data: Information on how you interact with our website, including IP address, browser type, operating system, and pages visited.
3.Coverage and Limits
Your coverage options, limits, and deductibles are outlined in your Policy documents. Coverage types may include:
Liability Coverage: Covers damages for bodily injury and property damage to others if you are found at fault in an accident.
Collision Coverage: Covers damages to your vehicle caused by a collision, regardless of fault.
Comprehensive Coverage: Covers damages to your vehicle not caused by a collision, such as theft, fire, or natural disasters.
Uninsured/Underinsured Motorist Coverage: Covers damages when the other driver is at fault and does not have sufficient insurance.
The specific terms, conditions, and limits of each coverage type are detailed in your Policy documents.
How We Share Your Information
We may share your personal information in the following circumstances:
- With Service Providers: We may share your information with third-party service providers who perform services on our behalf, such as payment processing, customer support, and marketing.
- With Business Partners: We may share your information with our business partners to offer you products or services that may interest you. - For Legal Reasons: We may disclose your information if required by law or in response to a legal request, such as a subpoena, court order, or government investigation.
- In Business Transfers: If we are involved in a merger, acquisition, or sale of all or a portion of our assets, your information may be transferred as part of that transaction.
Data Security
We take appropriate measures to protect your personal information from unauthorized access, disclosure, alteration, and destruction. However, please note that no method of transmission over the internet or electronic storage is 100% secure, and we cannot guarantee the absolute security of your data.
Your Privacy Rights
Depending on your location, you may have the following rights regarding your personal information:
- Access: You have the right to request access to the personal information we hold about you.
- Correction: You have the right to request the correction of any inaccurate or incomplete information.
- Deletion: You have the right to request the deletion of your personal information, subject to certain exceptions.
- Opt-Out of Marketing: You may opt out of receiving marketing communications from us at any time. Reply with STOP.
Cookies and Tracking
Technologies We may use cookies and similar tracking technologies to collect information about your browsing activities on our website. You can control the use of cookies through your browser settings.
Third-Party Links
Our website may contain links to third-party websites. We are not responsible for the privacy practices or content of those websites. We encourage you to review the privacy policies of any third-party sites you visit.
Changes to This Privacy Policy
We may update this Privacy Policy from time to time. Any changes will be posted on this page, and the "Effective Date" will be updated accordingly. We encourage you to review this policy periodically to stay informed about how we are protecting your information.
Cancellation by Company
The Company reserves the right to cancel your Policy for reasons including but not limited to non-payment of premiums, fraudulent claims, or significant changes in your risk profile. You will be notified in writing prior to cancellation.
Claims
Filing a Claim
In the event of an accident or other covered event, you must notify us as soon as possible. Failure to report a claim promptly may result in denial of coverage. To file a claim, you must:
- Provide all relevant details, including the date, time, and location of the incident.
- Cooperate with the Company’s investigation, including providing statements, attending examinations, and supplying requested documents.
- Allow the Company to inspect your vehicle and any damages.
Claims Investigation
The Company reserves the right to investigate all claims thoroughly. We may deny claims found to be fraudulent, exaggerated, or not covered under the Policy.
Exclusions
Your Policy does not cover:
- Intentional damage caused by you or any other covered person.
- Damage resulting from illegal activities or while operating a vehicle without a valid license.
- Wear and tear, mechanical or electrical breakdowns, or depreciation.
- Vehicles used for commercial purposes unless specifically covered under the Policy.
- Damage caused by war, terrorism, or nuclear events.
8.Policy Changes
The Company reserves the right to change these Terms and the terms of your Policy upon renewal. You will be notified of any significant changes in writing. Continued use of the Policy after changes have been made constitutes your acceptance of the new terms.
Privacy and Data Use
We are committed to protecting your privacy. Any personal information collected from you will be used in accordance with our Privacy Policy, which is available on our website.
10.Governing Law
These Terms and your Policy are governed by the laws of the state in which your Policy was issued. Any disputes arising out of or related to these Terms or your Policy will be resolved in the courts of that state.
Contact Information
If you have any questions about these Terms or your Policy, please contact us at:
- Phone: (949) 575-8890
Email: support@nationsinsurance.com
If you have any questions about these Terms or your Policy, please contact us at:
-
Phone:
(949) 575-8890
Email:
support@nationsinsurance.com
Miscellaneous
Severability: If any provision of these Terms is found to be unenforceable, the remaining provisions will remain in full force and effect.
Waiver: Failure to enforce any right under these Terms does not constitute a waiver of that right.
Entire Agreement: These Terms, together with your Policy documents, constitute the entire agreement between you and the Company.
By purchasing or using our auto insurance, you acknowledge that you have read, understood, and agree to these Terms and Conditions.